davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Convergent Resources, Inc. (TX)

I had a collection on my account from XXXX XXXX, one was a balance {$430.00}, which was paid in full, and XXXX also reported a collections for a different account for {$380.00}, after paying the {$430.00} I was emailed a letter for my lender for a paid in full for the account. I asked why there was another amount of XXXX and was told they couldn't find that account and were unsure why it is on there. XXXX has since reported the {$380.00} to collections which was my understanding that it was the {$430.00} which was the {$380.00} with late fees.
Consumer complaint received 2017-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

violation of the Fair Credit Reporting act by allowing XXXX XXXX XXXX and XXXX XXXX XXXX to harass me by reporting inaccurate information on my credit report! The violations are as followed : failing to distinguish the XXXX and XXXX in similar surnames mixing the information of persons with the same last name and similar first names, and combining or mixing credit files of persons with similar names living in the same city or zip code.
Consumer complaint received 2016-08-11
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (IL)

I am showing a debt to " Macy 's '' on my credit report. When I contacted the company listed as Macy 's they said Citibank was handling the case. When I called Citibank a woman named XXXX said that because the account was past the statute of limitations, it was too old to be sued and that they can not make any attempt at collections or even discuss the matter with me. They said that I could write to them or send them a check, but they would not explain who the debt was listed under and what it was for.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-18
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (OH)

I received a copy of my Credit report and Disputing An Item that needs to be deleted. on XX/XX/XXXX an account with XXXX XXXX was opened up fraudulently in my name. The balance is {$130.00}
Consumer complaint received 2019-05-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION ()

In Complaint XXXX M & T sent a 68 page response to my complaint but never addressed my complaint that I am on my mortgage. All they address is contact to my late husband but the original bank addressed everything to me after my husband passed away. M & T took over the bank but has ignore this MAJOR issue.
Consumer complaint received 2015-05-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (MD)

I recently received a letter from Financial Asset Management Systems Inc in regards to a private student loans with XXXX XXXX. I am recently dealing with collection calls everyday where they are stating they are trying to collect a debt on a student loan. I recently contacted Department XXXX who looked up all student loans under my social security number. Department XXXX did not inform me of this so call XXXX loan with XXXX XXXX. Im in need of some assistant because this particular debt collector is telling me I owe them {$11.00}, XXXX which {$2700.00} are fees.
Consumer complaint received 2016-07-12
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (CA)

My son suffered a XXXX in 2013 and I had to take him to XXXX Colorado for treatment. While I was there my ( now ex-wife ) who is not my sons Mother decided to divorce me seeing my son XXXX as a potential drain on retirement. She cleaned out all the cash and locked me out of every credit card and bank account we had. 

Citibank was among those cards where we shared a joint account. I was equally responsible for the debt and enjoyed full card privileges. I used that card to cover reimbursable expenses while my son and I were in XXXX ( XXXX transferred him after a long fight ). When I arrived home with my son who could speak again ( See : XXXX for the result ), What my ex-spouse and her attorney sister had figured out you could do to another consumer using privacy laws was as amazing as it was devastating. I lost my home, all my savings, tens of thousands of my son 's recovery money was gone. All of it protected by privacy laws. I was eventually driven into bankruptcy defaulting on my own lenders needlessly, my son 's miraculously successful rehabilitation terminated, and I was forced to sell my home. 2 years later I still can not even get Citibank to release my statements from 2013 citing privacy laws. Those are my own financial records too. I need those statements to get food and lodging and other expenses reimbursed and Citi refuses to release them.
Consumer complaint received 2021-02-09
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Lien Enforcement Inc (CA)

I XXXX XXXX had a car towed that was previously stolen from me. Lien Enforcement INC. took over the Debt owed I put myself on a budget I personally could afford. I missed one payment by 7 days after paying for over a year DURING COVID 19. They tell me I have to pay the full balance because Im 7 days behind. I explain my situation to XXXX XXXX and hes not listening hes telling me I need to pay today or further action will be taken the debt is XXXX around there he tells me to hold on to get in lowered he comes back on the line and says I can pay XXXX to settle it today. If I told him before he put me on hold I dont even have {$500.00} why would he come back on the line with that response. Then 10 20 minutes go by of him telling me I need to go get a personal loan, pull from my 401k plan, I need to get a payday loan he asked me my position at my job he asked me how come no one else can help me pay it. He asked me how do I take care of myself which isnt any of his business he harassed me for 20 minutes about why I cant pay the debt. XXXX XXXX is very disrespectful and has no consideration for people. He asked me what banks have I tried to get a loan for like why is that any of your concern his only job is to collect debt not to harass me or try to force me to pay a debt when I can not. I paid XXXX for the car the tow yard sold it and now I owe XXXX $ for storage etc its really the last thing on my list. I explained I have no job I live with someone else its Covid 19 going on why are they calling harassing people all In personal business that has nothing to do with their job description. They have called me at work and held me up on the phone XX/XX/XXXX which was my last payment made after I repeatedly told them I was working. XXXX XXXX who I spoke to XX/XX/XXXX is the main harasser. He says how can we settle this today after I repeatedly told him either you can take my payment or you can put it on my credit he still kept going. Well I can split up the settlement into two which is over XXXX each after I just told him I dont even have XXXX to give.. its like he was intentionally antagonizing me. Trying to Belittle me as a person, because I cant pay a debt. Without People who owe debt they have no job. So they shouldnt be talking to people the way they do Lien Enforcement INC. Specifically.
Consumer complaint received 2017-12-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance Collection Agencies, Inc. (WI)

I have disputed the validity of this medical bill on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and in XXXX directly with Alliance. I have also disputed with all the credit bureaus. Alliance have failed to provide me with physical evidence bearing my signature as requested. They only provided me with a generic bill not an original statement from the creditor. I have not contract with Alliance agreeing  to pay them but yet they have ignored my numerous request to provide me proof. They mailed me a verification letter of my name and address which is not what I requested. I would like them to remove this account from my credit reports as this is causing damage for me to obtain credit.
Consumer complaint received 2019-05-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Armor Systems Corporation (IL)

On XX/XX/2018 I sent the 1st letter to Armor Systems Corporation to validate the accounts showing on my credit report. Armor Systems keeps ignoring my request and continue to keep the negative files on my credit report ; XXXX, XXXX & XXXX. 

On XX/XX/2018 I sent a 2nd letter to provide me with a validation of this account. I have not heard from them since then. I want them to remove the negative accounts from my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ) they are required to validate and comply with my request.
Consumer complaint received 2017-12-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Schreiber Law LLC (CT)

I had received paperwork by mail in XXXX XXXX regarding a debt owed, and this company Schreiber, Cohen LLC was the firm hired by XXXX XXXX XXXX XXXX to collect via State of CT Superior Court small claims. I filed chapter XXXX bankruptcy on XXXX/XXXX/XXXX, XXXX was included on the bankruptcy petition, and notified. Schreiber Cohen LLC was also notified of this action. The bankruptcy was discharged on XXXX/XXXX/XXXX. I received communications from State of CT Superior Court regarding this case on XXXX/XXXX/XXXX, it was a notice that a hearing was scheduled for damages on XXXX/XXXX/XXXX XXXX. I contacted the clerk on XXXX/XXXX/XXXX approx. XXXX XXXX to let them know this was a discharged debt  and what do I do? The clerks office told me to contact Schreiber Cohen LLC, XXXX. I called them on XXXX/XXXX/XXXX @ XXXX XXXX and spoke to XXXX XXXX ( sp? ) explained the above to him in detail and he said this would all be cleared up. Yesterday XXXX/XXXX/XXXX I received another notice from State of CT Superior Court that a default was entered against me because I had not filed an answer to this proceeding which I was assured would be cleared up by XXXX @ Schreiber Cohen LLC. I am extremely upset as to how a company that was notified months ago can still try to pursue litigation?????? I am beyond stressed, and can not lose time from work to try to rectify this myself nor should I have to, this company needs to be held responsible for their pure disregard to the law.
Consumer complaint received 2017-12-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IL)

XXXXHAD AD ON XXXX ALLOWING YOU TO TRANSFER USING MONEYGRAM FRAUD IN-DUCED WIRE TRANSFERS. 

VIOLATING THE DODD-FRANK REFERNCE NOXXXX TOALING {$1300.00} PLUS FEES.
Consumer complaint received 2022-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma (VA)

Credit karma would say that I was pre-approved for a credit card or had excellent chances of approval and I was denied each time. This has happened to me from XXXX through XXXX. It's just ridiculous that they are doing this to me and it leaves a hard inquiry on my credit report.
Consumer complaint received 2019-05-15
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. (CA)

RE : Hard Inquiry/Unverifiable on my behave. I recently checked my credit reports with XXXX, XXXX, Transunion. I have Two Hard Inquiry from company : XXXX XXXX Hard Inquiry done XX/XX/2017 and XXXX XXXX. 
XXXX XXXX XXXX, XXXX CA, XXXX ( XXXX ) XXXX. I have not yet received any return correspondence, at All.From neither companies.
Consumer complaint received 2019-05-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HSBC NORTH AMERICA HOLDINGS INC. (MI)

XXXX XXXX has repeatedly claimed I owe a debt of {$850.00} with no proof. I have written and asked for any legal proof and they constantly deny me a response. 



They have hounded me for many years with collection letters.
Consumer complaint received 2017-12-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I received two letters from Bank of America stating they were closing both my checking account and my savings account. I called the number on the back of letter. Recording said if I received this letter, there is nothing that could be done to help me.
Consumer complaint received 2017-12-06
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. (TN)

Opened new credit card for my son, XXXX/XXXX/XXXX, XXXX credit score provided at account opening was XXXX. I made NO CHANGES nor requested ANY changes regarding my existing credit card that had my son as authorized user on. Unknown to me and without my consent, the XXXX account representative, converted my historical " paper statement '' from account opening over to " e-bill '' statement resulting in me not receiving any bills. The fact that I did n't get any statements, again not knowing any changes had been made, resulted in the bill being late. Once a delinquency notice was received the money was immediately transferred over that day as ample funds ( large deposit balance ) was in the XXXX Checking account, therefore zero reason not to pay other than XXXX illegally, unfairly, and deceptively changed my periodic billing statement over to e-bill without authorization resulting in my receiving no bills. XXXX did refund the late payments assessed but that was the minor fix, they have ruined my son 's credit score and drastically impacted my nearly perfect credit score.
Consumer complaint received 2024-02-28
Product: Credit reporting 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. (PA)

I did not give consent/permission to run my credit I am writing to notify you of my election to have my name and address excluded from any list provided by your agency under subsection ( c ) ( 1 ) ( B ) of the Fair Credit Reporting Act in connection with credit or insurance transactions that are not initiated by me. 


XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2019-05-15
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. (MO)

Transunion is the only company that shows 2 accounts not listed on XXXX  or XXXX. I demand transunion remove the XXXX XXXX and XXXX XXXX account off my report immediately.
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

I heard about the Equifax hack last week. I went to the internet site to determine if my information has been compromised. Each time I attempted to get information from their site, their site application hung-up, froze, I called and was told the site was overloaded. I suggested they make more resources available to handle the requests. Several days passed. Site still hangs. I tried to call several times and now get disconnected. I want to know what the status of my exposure is because of Equifax 's error.
Consumer complaint received 2017-12-08
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc (TN)

Request were sent for debt validation and licensure to collect in Tennessee on XXXX XXXX. Verification of delivery on XXXX XXXX. No response has been received. The debt stated on my credit report is for {$1000.00}
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-04-01
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: Experian Information Solutions Inc. (CO)

I am a consumer by law and this is a formal complaint not sent in error or default. The information on my consumer report is not reporting 100 % maximum accurate as well as the unauthorized use of my information.
Consumer complaint received 2017-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have tried every method available and there continues to be insufficient actions taken by TransUnion to accurate provide accurate information on my report, which has caused me and my family catastrophic consequences against me & my ability to obtain viable employment as well as credit to provide a home for my family. 


Title 15 1681i. & FCRA Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( I ) Certification of accuracy of information if any information is deleted from a consumers File pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

TransUnion had previously deleted the 7 XXXX XXXX XXXX accounts and then re-inserted them on my reports months later, I was not notified of the re-insertion of this information. Per Title 15 1681i. & FCRA 611Procedure in case of disputed accuracy ( ii ) Notice to consumer if any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing Not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

TransUnion has also deleted and reinserted 19 Hard inquires on my credit report, I requesting proof of notice sent to me of the re-insertion of these items or the immediate removal.

Im request proof that this notice was submitted to me after re-inserting the ( 8 ) accounts from the XXXX XXXX XXXX back on to my Transunion report along with dates verifying the submittal to me. or the immediate removal of the 8 accounts from the department of education.

I have uploaded two reports from TransUnion one dated XX/XX/XXXX that does n't show the XXXX XXXX XXXX accounts and TransUnion reported dated XX/XX/XXXX showing the re-insertion of 8 accounts from the XXXX XXXX XXXX there are reports showing those accounts as included in Bankruptcy removed and now reinserted.
Consumer complaint received 2019-05-15
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MA)

I was shocked when I reviewed my credit report and found this charge off account with Past due balance of {$17000.00} which is incorrect. 

I am not sure how this happened, I even have a clean title showing the total ownership of the vehicle and I have it on my possession. I know it's been fully paid and I owe nothing on this company.