davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-12
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. (FL)

In accordance with the Fair Credit Reporting Act, everything on my credit Report should be 100 % Accurate. This is not so in the case of XXXX XXXX with account number XXXX which has several blatant inaccuracies among all three bureaus, such as different open date, different date last active, different account number different date of last payment and different payment history. These inaccuracies are grounds for removal. They also Violated my rights under 15 U.S.C 1681 section 604A which states that I have a right to privacy. 15 U.S.C 1681 section 604 A, section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

I responded to the company '' s response and sent it off without attaching the appropiate document so i had to submit a new complaint in order to attach the document.
Consumer complaint received 2018-05-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (NY)

I received a call at XXXX XXXX from XXXX XXXX, identifying themself as Capital Accounts, from Phone number : +XXXX ( XXXX ) XXXX Area code : XXXX City, State : XXXX, New York County/Parish : XXXX Phone Usage : Landline Phone Carrier : XXXX XXXX XXXX XXXX. 
They provided me information regarding an account that was not even mine ( name of person/company seeking collections ) They did not clarity who they were speaking with. I told them they had the wrong person and then started inquiring about my name and asking me for the phone number of the person they were trying to contact. They then realized their mistake and hung up on me. I called them back and complained.. I am going to report them by report to the Federal Trade Commission
Consumer complaint received 2022-07-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bay Area Receivables, Inc (VA)

I asked the third party to validate the debt for a few months now and have gotten nowhere. When I spoke to them on the phone, they acknowledged the debt doesn't belong to me but a family member who they stated was my adult child. I was informed they used " XXXX XXXX XXXX' to track my personal information and add to my credit report. I never received a copy of any bill nor any notice regarding the debt. What happened to my right to privacy, which I feel is being violated? Me nor my adult child have never been to any medical facility in Maryland PERIOD!
Consumer complaint received 2022-04-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

I am in repayment to Navient for my student loans. I was 2 weeks late with a payment because I was out of town taking care of my mother who is going through XXXX. I received up to 7 calls/day from different numbers. When I answered I have been hung up on. And now my account is current and they have still called me 3 times this morning.
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

Last year, in XXXX, I contacted XXXX XXXX XXXX to close my XXXX XXXX XXXX account which has a {$500.00} limit. I received confirmation from XXXX XXXX  that my XXXXXXXX XXXX account was closed. However, the account is still showing open on my Equifax report. I filed a dispute with Equifax to let them know that my account was closed. However, my account is still showing opening.
Consumer complaint received 2022-09-26
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. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # xxxxxxxxxxxx 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 2022-07-29
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: Experian Information Solutions Inc. (NY)

Dear Team - I want to highlight and escalate an issue I am not receiving any help on. 

Bank involved - XXXX XXXX XXXX - Experian XXXX XX/XX/2022- I applied for a XXXX XXXX XXXX Credit Card. And there was a HARD INQUIRY on my credit report XXXX XX/XX/2022- I receive a letter to call XXXX as they need some information to continue the review. 

XXXX XX/XX/2022- I called XXXX ( phone no - XXXX ) and I was told that they just need to reconfirm some details which will NOT lead to a XXXX credit pull. I re-stated that if they need to re-apply/ re-pull my credit file - I DONOT want the card. this was all on a recorded line. 

UNFORTUNATELY- the team initiated a 2nd credit inquiry on my file while i was on the call.

THis is a gross misrepresentation and error on part of the bank- which will impact my credit score and my finances. 



I called Experian and they say I have to speak with the bank XXXX tells me they cant do anything. 

COuld you please help me!
Consumer complaint received 2022-10-23
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CCS Financial Services, Inc. (TX)

When researching the collection agency, Credit Collection Services, who put incorrect information on my credit report, I discovered that this company is not authorized to do business in the state of Texas. I live in Texas and was under the impression that a collection company has to have a valid license to do business in this state. Please contact Credit Collection Services and instruct them remove this debt from my credit reports. 

RE : Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX Thank you. 

XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-07-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Requested a payoff from Huntington from a property that I own. Once I received a payoff, I discovered that we were $ XXXX off. After countless hours of research I figured out it was due mainly to escrowed insurance. I switched to XXXX insurance. They bill in 1 bill. Huntington applied the total bill to EACH property instead of breaking it down between the two. This started in 2018 I am finding out. XXXX reimbursed the overpayment, ( roughly {$8000.00} ) which was supposed to be applied to escrow. It was not. Nor was it applied to principle, nor did it stay in my account. They can not find it. 
Huntington put " force placed '' insurance on the property. I have tried and tried to work with Huntington.

Huntington " accidentally '' foreclosed on the property. Only to admit a mistake and reverse it. They have foreclosed AGAIN. I am locked out of my account. Huntington says it's in " active '' foreclosure. The attorney assigned says it's not. Neither will speak to me. 

I have roughly 4 inches of documents supporting my complaints. I have roughly 100+ hours invested in rectifying this mess. I have filed FIVE internal complaints with Huntington. NONE have been addressed. My attorney has sent them a letter asking for them to immediately get this resolved with me. Huntington didn't even RESPOND to an attorney. 

I have filed a complaint with the XXXX, they advised me to file a complaint here as well. This case involves tresspassing, massive credit damage, a roof that is continually damaged with each storm and needs a new roof. The buyers of this property need a deed to do so. My credit has dropped nearly XXXX points from their repeated hits. The sheer ridiculousness of this case is beyond belief. My attorney has heard all of the details, reached out to Huntington. No response. I am being referred to an attorney for further litigation/lawsuit. I again, was also advised to file a complaint here. Lastly, I will be contacting a major news station that deals with these ridiculous cases to expose Huntington if this is NOT resolved.
Consumer complaint received 2022-04-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (TX)

Hi, last month I sent the company IQ Data International I debt validation letter. The only thing they've honored was that I asked them to no longer call me. other than that the company has yet to verify my debt and refuses to keep it off my credit report.
Consumer complaint received 2022-07-29
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Uprova Credit, LLC (TX)

A Uprova representative contacted my workplace by phone call multiple times on XX/XX/2022 ; XX/XX/2022 ; and XX/XX/2022 ; and identified the debt collector as Uprova. The phone number used to contact my workplace on each occasion was XXXX ( XXXX ) XXXX. My workplace has various phone numbers, and this representative has called each one. I understand that these calls are meant to intimidate and harass me. Furthermore, I have already informed Uprova that my employer does not allow these types of calls at work and I am at risk of losing my job. Additionally, I sent a Revocation of Authority to Contact Third Parties on XX/XX/2022. I can confirm that Uprova has received this letter.
Consumer complaint received 2022-07-29
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. (GA)

I have alais names and primary names that are not correct and alot of unauthorized inquiries and one account marked late that I was not late on
Consumer complaint received 2022-10-23
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Amsher Collection Services, Inc. (TX)

When researching the collection agency, Amsher Collection Services, who put incorrect information on my credit report, I discovered that this company is not authorized to do business in the state of Texas. I live in Texas and was under the impression that a collection company has to have a valid license to do business in this state. Please contact Amsher Collection Services and instruct them remove this debt from my credit reports. 

RE : AMSHER COLLECTION SERVICES - NMLS ID : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AL XXXX Thank you. 

XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

This company TSI on my credit report says original creditor is XXXX XXXX. Says the debt was in XXXX. I have never had an account with direct energy. TSI calls me every morning even while the dispute is in progress. I have disputed several times. They have removed the account from my report and started a new account. I have had no contact with this company other than disputing the report. When the disputing started in XXXX of XXXX the calling started and new accounts were opened and placed on my report for collections.
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MT)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$49000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXXXXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$2600.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX. ) XXXX Date opened XX/XX/XXXX Balance {$830.00}, and XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX  ) XXXX Date opened XX/XX/XXXX XXXX {$770.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I have received a copy of my credit report and it shows company XXXX XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$7100.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2018-05-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica (LA)

1. XXXX XXXX, unauthorized charges deducted from my account for purchases and subscription through XXXX XXXX ( XXXX and XXXX ). Credits were issued, but not accurately posted back to my accounts. Done as a bank transfer to other account, XXXX XXXX XXXX Account ending in XXXX with Exp XX/XX/2018. Has transferred over {$5000.00} by use of XXXX account by placing said XXXX XXXX XXXX Card on account and removing XXXX XXXX Debit Card Account. Just want money back from XXXX Account and credit from a XXXX Purchasr for unauthorized use and access with a fraudulent card/account.
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV INC. (CA)

Received bank statement showing debit charge of {$170.00} from XXXX XXXX Called bank and advised this was a fraudulent charge - not authorized by me and I was disputing the amount. On XXXX, XXXX, XXXX I received a letter from the bank advising matter had been resolved and the temporary credit of {$170.00} was now permanent. On XX/XX/2002 I received a collection letter from TRS Recovery Services stating that they were looking to me to collect this amount. On XX/XX/2002 I sent a letter to TRS stating that this was not my debt, that it was a fraudulent charge and I was disputing it.
Consumer complaint received 2022-04-12
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: EQUIFAX, INC. (FL)

I have been disputing a number of errors that I found on my credit report. But the buros have ignored me. 

I have seen accounts in Charge Off with balances owed and I am fully aware that this type of account can not have a past Due or different dates reported in each bureau. I am collecting all my evidence to continue filing complaints against the bureaus.
Consumer complaint received 2022-04-12
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. (MI)

In accordance with the Fair Credit Reporting act 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 XXXXhas violated my rights. 

InqXXXX 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 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  XX/XX/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 2022-07-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

At the beginning of XXXX, I was scammed into believing I had two jobs as a XXXX XXXX, and XXXX  were put into my account. Due to a " good faith '' system the bank had since I had been a client with Bank of America since the XXXX, the credited amount was put into my account, and I was given the assumption that everything was good with the checks. It wasn't until the XXXX and XXXX of XXXX did I receive Item chargebacks because the checks were counterfeit, and there was a negative balance of XXXX. ( The item chargebacks were sent in the amount of over XXXX, XXXX, and one of over XXXX -- which they were supposed to hold the credit until the XXXX of XXXX because the item chargeback started to come through for the one of over XXXX. ) The bank then informed me that I was held liable. I had reached out to the bank after filing a police report, in which I was repeatedly told there wasn't anything they could do, and I was passed to different departments that had told me the same thing. I was told the same information, but no one wanted to help me until XX/XX/XXXX, when I talked to the deposit department and was given assistance in filing a complaint with Fraud and also XXXX. Later on, I received a message that my complaints in the XXXX department were closed because they couldn't do anything, however my other claim -- separate from the XXXX one was still open and a decision wasn't reached upon it, and anything going on with my claims and my account would be given to me via mail or email. So it came as a surprise when I woke up to see my accounts had been closed without my knowledge, despite the XXXX department informing me on the XXXX of XXXX that I should have received information regarding the reason for the closing of my accounts, and the bank was still holding my saving funds because none of the complaints, according to representative XXXX in XXXX, that all of my claims were still opened, however, the bank still expected me to pay the negative balance even though they closed the accounts, and despite the fact that they were supposed to withhold the amount of XXXX until the XXXX, they still credited me the amount and I still owed the entire balance. I was sent to multiple departments again, where I was told that one could help me with my situation, only to be informed by the online banking that my case was being dropped by so many departments. I was even informed by a banker that Bank of America usually approves checks before crediting the money, which I recorded with the banker 's permission. It feels that my case during this process has been mishandled, and that a violation of the fair credit billing act has been broken.
Consumer complaint received 2022-07-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (TX)

XXXX XXXX Referencing the above CFPB case numbers, this is proof that Rooms to Go/Synchrony is still attempting to collect a debt from my wife that was never hers, in an amount that she never agreed to. The company closed the account twice, and re-opened it once. Then at the same time, sold it to a collection agency in her name. I have attempted to settle this with Rooms to Go and have had nothing but issues over the past few months. I am attaching a copy of the collection notice sent from XXXX on behalf of Rooms to Go.
Consumer complaint received 2022-04-25
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 XXXX account # XXXX, Fair Collection & out 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 2022-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (VA)

The company ERC ( Enhanced Recovery Company ) out of Florida has violated federal law by reinserting a collections account to the credit bureaus. This account was added on XXXX, XXXX, XXXX. I legally disputed this account and it was removed on XXXX, XXXX XXXX. The account was reinstated on XXXX, XXXX XXXX. This violates my rights and federal law. I employ that you see this company stops it illegal and unethical practices by violating people civil rights and federal law.
Consumer complaint received 2022-08-23
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. (FL)

I had opened a XXXX XXXX XXXXXXXX credit card in XX/XX/XXXX and I had missed two payments before the merchant chose to close the account in XX/XX/XXXX. I paid the account in full the following month. The information reporting on the account is all incorrect. The account was paid in full in XX/XX/XXXX, not XX/XX/XXXX as stated on my credit report. My line of credit was {$800.00}, not {$600.00} as stated on my credit report. This account is almost 10 years old and has been closed and paid in full for over 7 years. I need this account removed from all 3 of my credit reports immediately as it is affecting my ability to obtain new credit. I have addressed this with XXXX XXXX XXXXXXXX and all 3 credit bureaus and no one has resolved this issue for me.