davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cooling & Winter LLC (GA)

I was sued for a debt owed to XXXX  XXXX XXXX around XX/XX/XXXX for an amount of {$10000.00}. Through my lawyer, XXXX XXXX XXXX, XXXX, a settlement of {$6000.00} was reached. This amount was paid off on XX/XX/XXXX. On XX/XX/XXXX I was notified by my employer that my check would be garnished to pay off the remaining {$4400.00} to satisfy the {$10000.00}. My lawyer got involved once again as my checks were being garnished to pay off the debt. On XX/XX/XXXX the original settlement was honored, and the funds garnished would be coming back to me along with a note on my credit report of the debt paid off. This was pending I send a signed release form to Cooling & Winter, LLC. The form was signed and arrived at their receptionist on XX/XX/XXXX at XXXX. The credit report changes have been honored but my funds being returned have yet to be honored with no further communications returned from Cooling & Winter. The funds being returned as the pandemic hit was going to be a stress reliver for my family, but I continue to wait and wait. I am seeking that the {$4400.00} be sent to me.
Consumer complaint received 2022-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TX)

The company, ProCollect Incorporated, located in XXXX, TX sent a piece of mail to my home dated XX/XX/2022 stating that I owe {$3000.00} to the account # XXXX with the customer # XXXX. The letter states that the creditor was " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. '' They have asked me to make a payment arrangement as soon as possible with the agency, abbreviated as PCI, or to pay to the Leasing agency. It was signed by a XXXX XXXX from PCI. 

I have contacted the company to dispute the charge, explaining that this was fraudulently charged and they are adamant that my personal information on file is correct and that the debt is owed regardless. I have since frozen my credit with the three major bureaus and changed my accounts as I am able. 

Please help me resolve this issue as it is very distressing and damaging. 

Thank you, XXXX XXXX.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

CREDIT REPORTING AGENCY Equifax received my certified mail letter dated XX/XX/2024 on XX/XX/2024 requesting their specific method of verification for 5 items on my credit profile including : XXXX  of XXXX, XXXX XXXX Bank , XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX . It has now been 24 days since receiving my request and THEY HAVE FAILED TO provide me with a response as required per FCRA 15 USC 1681 ( a ) ( 7 ) which states that if a consumer request the " description of the procedure used to determine the accuracy and completeness of the information, ( i.e. the method of verification ), the credit reporting agency must respond to the consumer in within 15 days of receiving the request. XXXX HAS FAILED TO ABIDE BY THIS LAW. Please remove all 5 above listed items from my consumer report immediately.
Consumer complaint received 2023-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2022-05-20
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: EQUIFAX, INC. (GA)

Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681iwithin the time declared by law and continued reporting of unconfirmedinformation which now, given all my attempts to address it directly with theBureau, as willful negligence and non-compliance with federal statutes. Pleaseremove the following accounts completely from my Credit Reports : XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX Balance : {$230.00} XXXXXXXX XXXX XXXX Balance : {$1600.00}
Consumer complaint received 2023-01-27
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)

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to Experian on XX/XX/2023 but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX
Consumer complaint received 2022-05-20
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. (NJ)

I have asked XXXX, Transunion, and XXXX to show proof of how they continuously verified these accounts showing up under my social security, and they have yet to show proof and/or remove those accounts from my credit profile, I have disputed these account for the past XXXX, asking each credit reporting agency to provide proof of how they verifed these account, and show proper documentation. Accounts below : XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX  Account Number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX ( {$20000.00} ) Account Number XXXX XXXX XXXX ( {$8500.00} ) XXXX XXXX XXXX XXXX {$0.00} ) XXXX XXXX Account Number XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-05
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: Experian Information Solutions Inc. (MD)

I have contacted XXXX XXXX XXXX several times as well as all 3 major credit reporting agencies they failed to remove this information of reporting late payments XX/XX/XXXX XXXX and Experian reporting 30 day late payments XX/XX/XXXX both companies are reporting 60 days late, XX/XX/XXXX XXXX Experian reporting 60 days late XXXX reporting 30 days late, XX/XX/XXXX XXXX and Experian reporting 30 days late. 
I recently received my credit report and noticed inaccuraies account # XXXX XXXX  XXXX According to the F air Credit Act section 611 ( 5 ) ( A ) you required to prompt ly delete all information that is inaccurate, It is also that under FCRA15 U.S.C 1681 ALL derogatory accounts must be promptly removed. 
I AM NOW ENACTING MY CONSUMER AND CIVIKL RIGHTS TO COMPEL YOU TO ANNUL WITH PERMANENT DELETION OF THESE DEROGATORY REMARKS.
Consumer complaint received 2021-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Credit Bureau fails to provide method of verification. On (XX/XX/2021 ) I requested an investigation because I felt the item is not being reported legally according to the fcra. I sent a letter of verification onXX/XX/21. Credit Bureau continues to update with consumer disagrees without addressing the request at hand.
Consumer complaint received 2022-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (GA)

My mortgage servicing was recently sold from XXXX to Huntington Bank. I have already filed a written complaint about XXXX ( see complaint XXXX ) Now I am having the same issues/problem with Huntington. 

My XXXX City Taxes are way past due and should have been paid from my escrow account. I have a TAX LEVY letter in hand that both XXXX and Huntington also have. There is {$22000.00} in my escrow account. The taxes due are about {$11000.00}. 

Separate from the XXXX experience, this have been my calls with Huntington. I have been fighting with these XXXX companies to pay my PAST DUE TAXES for almost 3 months now. Here 's the latest : XX/XX/XXXX : I notified Huntington of a TAX LEVY letter that I received for unpaid CITY taxes. The representative on the phone assured me that my UNPAID CITY taxes would be paid within a XXXX business days. 
I was told that my problem would be escalated and that Id get a call back. 
I never heard back NO CALL BACK XX/XX/XXXX : I called back to confirm that my taxes had been paid and was told no, not yet, I was assured that theyd be paid promptly. 

XX/XX/XXXX : I called back again to check status. Still unpaid While on the phone, the representative ( XXXX ) indicated to me that the reason that taxes havent been paid because Huntington received a notice that my property was scheduled to be apportioned. I asked her where she got that notice from. She had no idea. She could not find any such notice. Instead, she said it was just in the notes. 
I then asked her to get my City Tax office on the phone with us, which she did. My city tax department confirmed that they have NO RECORD WHATSOEVER of a pending apportionment. 
XXXX said that shed note that and escalate it and have someone call me back. 

This problem carries back to the former loan servicer ( XXXX ). I have been BEGGING both XXXX and now Huntington since XX/XX/XXXX to PAY THE TAXES THAT ARE DUE TO MY CITY immediately. Both have refused to, given me the run around, and broken promise after promise to pay this bill and also to call me back. 

These are the FACTS : Huntington has a TAX LEVY LETTER from my city The amount of taxes due is CLEARLY STATED on the letter The City had CONFIRMED that there is no pending apportionment And, yet, Huntington still refuses to pay the bill, thus putting me at risk of a TAX LIEN. 

Again, this issue traces back to the prior service provider and I have been fighting to get this paid since XX/XX/XXXX. Almost 3-months of repeated phone calls, faxes, emails. Navigating phone systems. Having every person tell me they understand my frustration and will get it escalated and taken care of. All for nothing. Its not fixed and I am beyond stressed.
Consumer complaint received 2022-12-19
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. (MI)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the lawXXXXXXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, MI XXXX ; NXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$250.00} ; ( Original Creditor : XXXX XXXXXXXX ) XXXX Balance : {$270.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Clark County Collection Service (CA)

I received an email this morning that a new trade line was added to my credit report. I checked my report and saw that XXXX XXXX, which is located in Nevada, was added to my report as a debt. I do not reside in Nevada, I reside in California. The company reporting the collection is XXXX XXXX XXXX. The date is XX/XX/2022, of reporting until now. I have tried contacting XXXX  XXXX and Clark County Collection via phone and I was unsuccessful in reaching anyone in their department. Thank you!
Consumer complaint received 2022-12-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2022-05-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frontline Asset Strategies, LLC (WA)

I tried to use XXXX internet service at my new location. I was sent their gateway device and hooked it up on XX/XX/2022 but I could not get service / signal. I tried to cancel the service from XX/XX/XXXX through XX/XX/2022 but XXXX customer service as well as 2 stores said they can not cancel. On XX/XX/2022 I asked the sales rep how I can get the service cancelled. For the next week I made numerous attempts to cancel but every attempt was refused by XXXX by unethical tactics... transferring me to another call center rep to start over, telling me they would call me back, hanging up on me, saying that only the initial sales rep could cancel, saying they could not verify me and finally lying that it has been cancelled and there would be no charges. However they still had not sent me the return label for their device so I stopped at a store to get a label and was told the account was still open and that only customer service could cancel. I immediately sent everything back to XXXX and again called customer service. I have spent well over 6 hours on the phone over a several week period trying to cancel the service and have repeatedly been told the account was cancelled and I owe nothing. However I was still sent a bill and weeks later I got a call from collections saying I owed money for the days I had used the service. I disputed this because I never had service/ signal in the first place and have been trying to cancel since 8 days after I received their gateway device. I was also told this would not be reported to credit bureaus until I heard back from XXXX about my dispute. I never heard back but just found out a claim was filed with the credit bureaus. I called XXXX customer service and was again told the account is closed and I owed nothing. So I called the collections agency who said I now owe {$92.00} instead of the original {$140.00}. I told them I am disputing the charge again because I never had service and they refused to cancel the account. XXXX 's unethical practices has cost me many hours of my time and damage to my credit report. I am enclosing a pdf of my conversations with the sales rep showing my attempts to cancel.
Consumer complaint received 2020-10-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (OH)

My sister passed away in XX/XX/XXXX without a will. I went to XXXX  ( I live in XXXX  XXXX and gathered all of her documents ( I had a POA ) and went to the local Chase bank to inquire about some discrepancies on her account. They were extremely rude and told me to report any suspicious activity to the local police, which I did. Long story short, I finally got that resolved after months of making calls and basically being given the run around. I then decided to close her accounts but was told I needed an attorney to do so. I hired a XXXX  attorney who got me the necessary authorization which I took to the bank, along with her death certificate, but was told I needed to wait 5 months to closed her account in case Social Security had overpaid me. That XXXX months would have been in XX/XX/XXXX. I started contacting Chase in XXXX, who never returned my calls, the local branches were closed, and after numerous attempts, was put in touch with the decedent department. I was told I needed to send a letter requesting that the account be closed, which I did the same day. Allowing them time, I called back 30 days later and was told the letter was never received, that I needed to resend it. I asked to speak to a supervisor, who, after much delay, admitted they did have the letter, but needed more time to process it. Fast forward another 30 days, I called back and was told that I needed to send a copy of the death certificate and court documents. I asked why I wasn't told this the first five times I spoke with them, and they couldn't give me a straight answer. I then told them that the paperwork they required was given to Chase and I personally watched them scan it in at a local branch. Again, no record. Next call - same scenario - but this time told them how I had been treated and advised them I was making a complain against them. Suddenly, the paperwork was found and they advised they would expedite the processing. This was a week ago, No calls, no emails, nothing. I have never had such a frustrating experience with a bank, especially dealing with people who showed such disrespect and lack of compassion. It has now been over a year and half since I lost my sister, and I am still dealing with these clowns. I can not describe the grief they have caused me - this is just the latest. I could write a book about the discrepancies in charges and what I had to go through to get that resolved.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-07-31
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. (NY)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored by my disputes. Section 611 ( a ). It is plenty stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. Also, my information was impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Transunion : 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
Consumer complaint received 2021-10-06
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: MoneyLion Inc. (OH)

In XX/XX/2021 I noticed a fraudulent personal loan account for {$500.00} from MoneyLion was showing on my credit bureau reports. I immediately contacted MoneyLion and they started an investigation. 

On XX/XX/2021, I received a letter from MoneyLion stating the account was opened fraudulently and closed as a fraudulent account on XX/XX/2021. I'm attaching a copy of the letter from MoneyLion.

Today, XX/XX/2021, I received notification from XXXX that this fraudulent account is still on my credit bureau reports but is also now reporting that it is delinquent. 

Please remove this fraudulent account from my credit bureaus, I also sent another email to MoneyLion telling them they need to remove it.