davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-29
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rhode Island Student Loan Authority (RI)

Repeated calls, voicemails, and emails for past due account. Spoke with customer service rep XX/XX/19. Initial statement from rep was that my account is in pre claims and asked if I was still using my bank account ending in # # # # so that he could deduct the funds. There were no other options offered at that time, this is highly intimidating. I informed rep of my current status at work/lost overtime/hours and that there were no funds available to deduct. I then informed the rep that got paid on Thursday, XX/XX/XXXX and would take care of what I could. Made payment on XX/XX/XXXX in the amount of {$140.00}. Received two consecutive phone calls Saturday XX/XX/XXXX at XXXX and XXXX, with an immediate follow up email at XXXX. 
Received phone call on XX/XX/XXXX at XXXX with voicemail informing me that my payment on XX/XX/XXXX wasnt the agreed amount ( there was no agreed amount ) and that my credit will be impacted. I then received an email on XX/XX/XXXX at XXXX titled second attempt. As of today I have received four phone calls, one voicemail, and two emails In the span of 7 business days. This amount of repeated contact is harassment. I have contacted RISLA previously via email requesting that they do not contact me in this manner and requested that they stop harassing me while Im struggling to get my account paid up. One phonecall should be sufficient, especially when I have made documented recent payments. They have not complied with my requests to cease harassment. Emails/supporting documents are attached.
Consumer complaint received 2018-02-13
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: BALANCED HEALTHCARE RECEIVABLES, LLC (FL)

Paid portion of bill to Balanced Healthcare Receivables on XX/XX/18. Was promised an email as a receipt, as well as a email with website to continue payments and stop phone calls.. Never received receipt or website emails and less than a eek later received another call trying to collect the debt. The person spoke, got my info and hung up on me. Called back asking why I was receiving calls less than a week later and was told it was a glitch that they could see I paid 6 days ago online ( which was false as I paid on the phone ) and the lady kept saying it was a glitch and was a harrassing call
Consumer complaint received 2023-03-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

XXXX  XXXX XXXX XXXX SOLD A FALSE DEBT TO XXXX XXXX XXXX FOR {$9100.00} IN XX/XX/2018. THEY ARE TRYING TO COLLECT A DEBT THAT WAS RELEASED BY A MOTION TO DISMISS COURT CASE. I'VE ASKED THEM TO PROVE THE DEBT MANY TIMES AND THEY JUST SEND ME NOTICES OR JUST CHANGE THE AMOUNT DUE.
Consumer complaint received 2018-02-16
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 — Problem with personal statement of dispute
Company: HSBC NORTH AMERICA HOLDINGS INC. (NV)

HSBC credit card are accusing me for a transaction that I didn't make. 

There system are posting wrong dates on my transaction and its there job to double check not mines. 

the transaction made on XX/XX/XXXX beside XXXX  are considered to be a frad, and wrote on their paper statement that we aren't reliable with any frad transaction and they are dening this!!! HSBC is being very unprofessional no wonder nobody really talk about this company ... 

I have been with them for only 2 months or so and they are doing a horrible job already. what a good way to welcome a customer
Consumer complaint received 2018-02-13
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. (CA)

These accounts are not my accounts they are FRAUDULENT Im not the XXXX  XXXX XXXX e.g XXXX XXXX, I dispute all of the accounts listed below as FRAUDULENT ACCOUNT XXXX/XXXX {$2200.00} # XXXX ACCT, XXXX XXXX XXXX XXXX {$1300.00} # XXXX, XXXX XXXX XXXX XXXX {$390.00} # XXXX AS FRAUDULENT ACCOUNTS and the Inquiries are disputed as FRAUDULENT Inquiries as FRAUD XXXX   XXXX XXXX-XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX , XXXX XXXX-XX/XX/XXXX and the FEDERAL TAX LIEN # XXXX XX/XX/XXXX {$31000.00} I DISPUTE ALL OF THE ABOVE ACCOUNTS AS FRAUDULENT.
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P. (CA)

I spoke to a customer service representative on XX/XX/XXXX to try to resolve this issue. I was told they dont know why this account is still reporting as late because it has been paid and to call back in 48 hours while they investigate. In the mean time I can file a dispute. This company has charged off my account in XX/XX/XXXX and when this account was charged off it has been paid with the collection agency however, this company is still reporting my account monthly as 180 days past due. This account has a XXXX  balance as of XX/XX/XXXX. On XX/XX/XXXX I was told by XXXX XXXX to contact XXXX regarding this problem.
Consumer complaint received 2021-09-03
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. (PA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2018-02-13
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (FL)

I was a victim of identity theft. I believe that this debt does not belong to me. I have asked this company several times to provide documentation stating that I owe this debt within 30 days or please remove it. This company has failed to provide a signed copy of agreement that shows my signature and the said amount owed. I have a copy of a police report that was made in regards to myself being a victim of identity theft. I will attach it down below.
Consumer complaint received 2021-07-05
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. (GA)

I XXXX XXXX was dismayed and disturbed today XX/XX/2021 after I reviewed a copy of my consumer credit report from the Consumer Credit Reporting Agencies : TRANSUNION, XXXX, and XXXX. Pursuant to US Code 1681a ( q ) ( 3 ) the term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. I am a victim of Identity Theft! Pursuant to 15 US Code 1681c-2 ( a ) " ... a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. '' I have filed an Identity theft report, and provided the Agencies with my identification. I also will like for them to remove and block XXXX XXXX ACCOUNTS : 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. PLEASE BLOCK AND REMOVE THE ABOVE ACCOUNTS FROM MY REPORT. THANK YOU I have attached affidavit of truth and invoice. I would like like to be compensated for the violation of these laws Pursuant to US Code 1681
Consumer complaint received 2023-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Best Service Co.,Inc (CA)

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$520.00}
Consumer complaint received 2022-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT, XXXX # XXXX. HAS VIOLATED SEVERAL OF MY RIGHTS AND NUMEROUS ( FCRA ) LAWS.

1. ) 15 U.S.C. 1681 SECTION 6028 ( STATES RIGHTS TO PRIVACY. ) 2. ) 15 U.S..C.1681 SECTION II 6048 ( STATES CAN NOT FURNISH ACCOUNT OR INFORMATION WITHOUT MY CONSENT AND OR PERMISSION. ) 3. ) MY STATE OF MICHIGAN, CREDIT REPORTING RIGHTS : STATUE OF LIMITATION OF 4 YEARS HAS BEEN PASSED AND THE DEBT HAS BEEN PAID AS AGREED.
Consumer complaint received 2022-05-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Collections U.S.A., L.L.C. (WV)

On XX/XX/2022, a request was sent to obtain validation of debt. No response. Amounts {$110.00}, {$33.00}, {$5.00}, {$40.00}, {$40.00}, {$69.00}, {$40.00}, {$29.00}, {$2.00}, {$40.00}, {$9.00}, {$29.00}, {$40.00}, {$11.00}, {$110.00}, {$33.00}, {$2.00}, {$2.00}, {$11.00}, {$4.00}, {$5.00}, {$40.00}, {$40.00}, {$84.00}, {$5.00}, {$10.00}
Consumer complaint received 2022-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act the following accounts violate my rights : XXXXXXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXXXXXX XXXX acct # XXXX 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
Consumer complaint received 2022-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (OR)

I was charged a balance transfer to my Discover account on XX/XX/XXXX, for the amount of {$4900.00} - this is a fraudulent claim, and I never made this balance transfer. Ive called Discover every day since seeing the charge, and Ive received different information from each agent, with little help or reassurance from anyone. My credit is spectacular, and Ive been a customer since XXXX. Discover said someone possibly got ahold of one of the checks they mail out automatically, which I never have requested. I need help getting this resolved, and getting my money back.i did not make this balance transfer, or initiate it. I have no idea who or how this would have happened. It is fraud.
Consumer complaint received 2021-07-05
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: CREDIT ACCEPTANCE CORPORATION (FL)

on XXXX XXXX & XX/XX/XXXX XXXX i received numerous notifications that their has been numerous inquires made to my consumer credit report in which i had know knowledge of, issued by the following companies : credit acceptance on XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XXXX XXXX XXXX XXXX  on XXXX XXXX and us small administration on XXXX XXXX XXXX : Under 15 u.s. code 1681b-permissle purpose of a consumers report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to which it relates. 
I XXXX XXXX XXXX never gave these credit acceptance on XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XXXX XXXX XXXX XXXX on XXXX XXXX and us small administration on XXXX XXXX. written consent to report anything on my consumer report, NO consent is identity theft .and to add on the 3 major reporting bureaus are also at fault due to the fact that their are well aware of the following subchapter 15 u.s code 1681b ( a ) ( 2 )
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (GA)

XX/XX/XXXX - and XX/XX/XXXX I wrote each credit bureau and asked them to verify the debt. I don't recall getting a response or updated credit report as requested so I sent a letter directly to GM. 

On XX/XX/XXXX I asked GM for debt validation because they were reporting a charged-off account to credit bureaus. As a result of doing some research, I learned that XXXX laws may not have been followed making this reporting unverifiable and inaccurate. I faxed a debt validation letter to GM ( attached with proof of fax delivery ) and after 30 days I have not had a response from GM or from XXXX  XXXX  or XXXX  and the account in question is still being reported ( I saw the information on both MyFICO and Identity XXXX ( attached ). I want this deleted because ( 1 ) the GM reporting is inconsistent or incomplete ( 2 ) GM did not respond in 30 days AND ( 3 ) GM provided no documentation they met XXXX  laws.
Consumer complaint received 2022-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 

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,
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (MD)

Using my Citi credit card at a XXXX store, the prompt displayed " do you want to shop with points ''. The receipt credited {$10.00} for shop with points but Citi deducted XXXX rather than XXXX from my rewards points. I've historically used my rewards points as statement credits and I pay in full monthly, having never been charged interest BUT Citi is effectively charging 25 % interest for shopping with points. It is deceptive and predatory. Citi will make millions by stealing 25 % of consumers ' rewards balances in that scheme. I contacted Citi when I saw the issue after the 2nd time and they said, management likes to hear customer feedback to improve products so they'll pass my comments on to them, and that's all they had to say. Going forward, I will skip shop with points but a down on his luck or maxed out card holder could need points to complete purchases if they have no other means. Citi owes me {$5.00} but they must stop redeeming points for less than their value and stop bamboozling customers with a quick POS terminal request to use points where the redemption value does not equal points consumed.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2021-06-23
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. (FL)

I had mailed in a dispute to each bureau on or around XX/XX/XXXX. The dispute was against XXXX XXXX XXXX for incorrect and erroneous reporting that transpired after the settlement of the account in XX/XX/XXXX. This issue was made know during the processing of my mortgage for the purchase of my new home. On XX/XX/XXXX, I had applied for a mortgage to start construction on a new home through a builder. The home slated to be completed in XXXX with closing set on XX/XX/XXXX. Last month, on XX/XX/XXXX, when my loan officer re-pulled final credit needed since my original report had expired, I was made aware of the unacceptable updates made on this account. 

The account in question was a charged off auto loan through XXXX. This loan was settled on XX/XX/XXXX. That was the date of last payment made on this account. This was not an acknowledgement or acceptance of the debt ; it was merely an attempt to help improve my overall credit status to be able to move forward with my life and move my family on to a new home. There shouldve been no subsequent reporting since then ; yet, there were several. Enclosed are the disputes that were sent to each bureau. Additionally, after the submission of these disputes, I was able to obtain a copy of each tri-merged credit report that was pulled for the purchase of my new home. I was also able be accommodated with a breakdown of each bureau, showing the account in question. This was provided by XXXX, the company used by my lender to pull each credit report. In speaking with them, they had informed me of each bureaus specific illegitimate status updates on this account. 

Within the disputes I had requested that each bureau provide me with the information being used to maintain such errors on my credit report and even went as far as requesting a wet ink signature validating that this account was in fact mine. In calling each bureau today, I was informed by Experian that the disputes were final, and no changes were made. I was told by XXXX that the dispute was completed ; however, the rep acknowledged that the initial reason for the dispute was NOT addressed and that a new dispute was re-submitted and that Id have to wait an additional 30 days. XXXX claimed that they hadnt changed the reporting of an old dispute and then alleging that they hadnt received anything in XXXX from me. This is unacceptable being I am at risk of losing my new home that construction is just about complete, along with the substantial deposit that is on hand with the builder.
Consumer complaint received 2021-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 I wrote to Equifax to inform them of an unknown account reporting on my credit report. This account does not have a name and address to identify who the original creditor is on the account. 

On XX/XX/2021 I pulled a new detailed report and the account remains to report to Equifax with out any identification of who the creditor or collectors information. 

XX/XX/2021 I made one last attempt to request this information to be removed from my credit report. 

From my understanding this account is in violation for reporting without the creditor or collectors information as well for continuing to report despite letting Equifax know the account is reporting inaccurately.
Consumer complaint received 2024-03-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gurstel Law Firm, P.C. (IA)

a debt collecter has been harrasing me, calling, leaving messages, texting. 

I told them i dont know who they are, they say there name is gurstel law. never tell me who they claim i owe money to
Consumer complaint received 2021-11-30
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: LendKey Technologies, Inc. (NC)

I was pre-approved by LendKey for a private student loan consolidation at a great rate, so I submitted my full application. Nearly a week later they finally responded and denied me. I have a high credit score and offered to add my spouse as a cosigner due to his high income, But they loan officer said it wouldn't make a difference. That makes zero sense. This definitely feels like a scam to get my info and then sell it.
Consumer complaint received 2022-05-01
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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
Consumer complaint received 2022-05-01
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (FL)

I have over 8 late payments reflecting on my credit card. I never paid late. I always had a extension or forbearance I spoke to reps before who were suppose to update information. Shortly after my account got closed out without allowing a option to do anything. Despite their being a recorded conversation we're reps clearly stated the problem that occurred. I begged them to re open account but they didn't. They should of honored the conversation cause I was completely mislead