davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

Haven't responded to my letter requesting Verification. 

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the debt ( the actual accounting ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( 1882 ) ) ; Uniform Commerical Codes, Federal Fair Credit Reporting Act, and Pennsylvania State Statues for Lawful Purposes. 
3. A copy of the contract signed by both parties and therefore binding both parties. 
4 .Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. 
5. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under The Money Laundering Regulations 2007 and what actions s/he has taken in relation to this account.
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have had a Kohls charge card since XX/XX/XXXX. They are reporting a late payment back in XXXX of XXXX. I recall a Kohls representative reaching out to me bc my payment was late. The reason the payment was late was the fact that I had undergo XXXX and wasnt able to physically login to my account and make that payment. When the Kohls rep heard I was in the hospital, he mentioned that he would refund my late fee and make sure my payment didnt get report to all 3 credit bureaus as late. Well they are reporting it late. I have called several times ( 10 times or more ) and spoken with a Kohls Manager and nothing has been resolved. I am trying to get pre approved for my first home and this late payment sure is putting that on hold.
Consumer complaint received 2020-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (NY)

I haven't received a mortgage statement in 7 months. TD Bank does not post statements online, so the only way to receive them is by mail. I've reached out to them on multiple occasions and all everyone has tried to do is to confirm my address, which has not changed. I receive other mail from TD Bank including receipt of payments, but no mortgage statements. I have no way of knowing what my remaining balance is. I continue to pay online without ever receiving a bill.
Consumer complaint received 2020-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (OH)

My organization has a checking account with PNC Bank. For the two months, we have started to incur analysis fees in the amount of XXXX on XX/XX/20 and XXXX on XX/XX/20. In checking with the bank, we are being charged {$3.00} for each night deposit that we make. Part of the fees are offset by earnings on the account, but the fee itself makes no sense. We are being penalized for putting deposits into our accounts. We do not have an option to use the ATM or mobile deposit because each night deposit contains a large amount of cash. It is also done outside of normal banking hours because of the nature of our business cash flow cycle. 

Now with COVID, PNC has restricted access to the branch lobby. They are basically saying in order to avoid this {$5.00} night deposit fee we should risk our life to make the deposit at the drive-up during their limited business hours. This is anti-consumer and the fee should be eliminated from all checking accounts at PNC. 

I have spoken with our XXXX Banker at PNC and she also thinks the fee should not exist but of course there is nothing she can do about it. This is a great example of a banking executive making a decision in the best interest of the bank 's bottom line which hurts their customers and now is potentially putting human life in danger.
Consumer complaint received 2020-05-02
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. (OH)

XXXX XXXX XXXX ( ACCOUNT # XXXX ) IS LISTED ON MY EXPERIAN TRADELINES AS AN ADVERSE ACCOUNT AND REPORTING 30 DAYS LATE IN XX/XX/2019. THIS ACCOUNT WAS PAID ON TIME. I CONTACTED THE COMPANY AND DISPUTED THIS ACCOUNT WITH XXXX  I SPOKE WITH A REPRESENTATIVE AND HAVE RECEIPTS TO WHERE THIS ACCOUNT WAS PAID ON TIME. 
WHEN I DISPUTED THE ACCOUNT WITH EXPERIAN THEY STATED THAT THEIR INVESTIGATION CONCLUDED THAT THIS REPORT WAS BEING REPORTED ACCURATELY. THERE IS NO WAY THAT THEY COULD HAVE INVESTIGATED MY DISPUTE FAIRLY BECAUSE THEY WOULD HAVE SEEN THAT THIS ACCOUNT IS BEING REPORTED IN ACCURATELY AND THAT THE CREDIT UNION HAS ACKNOWLEDGE THAT THIS ACCOUNT WAS PAID ON TIME.
Consumer complaint received 2020-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (WA)

On XX/XX/2020 I received a notice stating that I owed XXXX XXXX XXXX from a collections agency called " Credit Collection Services '' ( XXXX XXXX XXXX XXXX MA XXXX ). I called XXXX on XX/XX/XXXX as I suspected a scam. XXXX reassured me that my account was in good standing, they have never sent anything of mine to collections, and the notice must be fraudulent. 

I'm not sure how this credit collections company got my information such as my name, address, and the fact I have a XXXX Cable account.
Consumer complaint received 2019-03-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Consultants of California (CA)

they send me a statement of my called bill? and they DIDNT send me a HIPPA release form that I approved of and that is illegal of them to do .I demand they delete that debt out of my credit report from all 3 credit bearus from XXXX , XXXX , and XXXX  .
Consumer complaint received 2019-03-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (GA)

I removed their authorization to call me FOUR months ago! I have repeatedly told them NUMEROUS times that they have NO authorization to call me or ANY number associated with me. They are calling daily FOUR to FIVE times a day. In addition to this XXXX credit card account, I contacted synchrony and digitally told them they had NO authorization to call me on ANY account and to stop all calls back in XXXX. They had stopped for a bit but started again. I have had at least 120 calls since mid XXXX. I now will not be satisfied with anything less than {$1500.00} for EACH call because they are robocalls and they are leaving robocall messages on my phone. They have even closed my account even though I paid them {$220.00} in the last 30 days.
Consumer complaint received 2022-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-03-28
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: Experian Information Solutions Inc. (TX)

I have somebody else 's collection showing up on my Experian credit report. They have a similar name like mine but a different date of birth and a different social. I have called experian on the phone for 3 hours and they just put me on hold. I have also sent certified mail over 30 days ago ( proof attached ) and they have not resolved it yet. 

I have sent Experian plenty of proof that it is not me but they keep reporting the other persons collections under my report.
Consumer complaint received 2021-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Better Mortgage, Inc. (NC)

Hi, Better Mortgage ( XXXX  ) collects escrow for payment of insurance, taxes, etc on my home that is mortgaged. When I checked  county website for tax bill disbursement, it showed that the bill is not payed and interest accrued XXXX {$120.00} XXXX on my the balance. When I called the Better.com customer service, I came to know that my account was designated as non-escrow ( XX/XX/21 ). This activity is illegal and against the compliance. Further, if I had not browsed the county website for my property tax bill, city/county would have filed a claim on the property for non-payment of taxes. I followed up with Better Mortgage ( XXXX  ) to understand who will incur the interest on taxes, but to no avail. Appreciate your help in the matter. 

Thanks.
Consumer complaint received 2020-04-29
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. (CA)

EXPERIAN TO REMOVE THE FRAUDULENT XXXX XXXX XXXX ACCOUNT FROM MY CREDIT REPORT. WHY ARE THEY REPORTING SOMETHING ON MY ACCOUNT WHEN THAT ACCOUNT IS NOT MINE, IT DOES NOT BELONG TO ME, I AM VICITM OF AN IDENTITY THEFT, I WANT SOMEONE TO EXPLAIN TO ME WHY THE FRAUDULENT ACCOUNT IS ON MY CREDIT REPORT.
Consumer complaint received 2019-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MA)

This is our second formal complaint with the CFPB regarding Shellpoint Mortgage Servicing. We purchased our home on XX/XX/XXXX. The builder bought the house next door to our home, and built our home on the existing plot of our neighbor 's home. The city did not separate the plots until a year later, and we were instructed to " work it out with our neighbors '' We paid the city directly for our taxes and split the cost with our neighbor until the parcels were split. We worked with Shellpoint directly during this process but they continued to pay the taxes on our neighbor 's plot. We continued to pay the city directly for our property taxes in XX/XX/XXXX and for the first quarter of XXXX. XXXX XXXX XXXX XXXX, XXXX notified us in XX/XX/XXXX that we owe Shellpoint {$680.00} for payment that Shellpoint made to the City of XXXX and we have been paying XXXX XXXX directly in 4 monthly installments. All bills and correspondence with Shellpoint and XXXX XXXX is attached. We have asked Shellpoint to do an escrow analysis because they have continued to build our escrow account and we are paying both taxes and hazard insurance directly and Shellpoint has not used our escrow. They are also requesting to increase our escrow bill from {$460.00} to {$510.00} because they don't have enough escrow to pay our taxes and hazard insurance ( which they have never paid since we bought the home in XX/XX/XXXX. Attached are our documents. We have tried repeatedly to talk with a tax/escrow representative and the customer service agent will not transfer me. They told us it takes 30 days for someone to respond. We have received several canned letters that explain that they are working on our issue as soon as possible. We would like an explanation of why we owe Shellpoint {$680.00} paid to a third party tax service, why they are increasing our escrow when we should technically be receiving a refund for a surplus, and why they just can't get this right after 2 years. 
Thank you
Consumer complaint received 2020-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credence Resource Management, LLC (CA)

In reviewing my credit report I discovered a new debt from Credence Resource Management for XXXX XXXX XXXX. I do not owe this debt and in addition filed XXXX in 2014. This debt is being reported without and amount on my XXXX credit report with XXXX. No account number or amount is listed just the debt collection agency listed. I wish this to be removed from my XXXX  credit report and any other credit bureaus. 

No date was entered as to the timeframe for the inquiry. This has lowered my credit score and is impacting my ability to re-establish credit.
Consumer complaint received 2019-03-23
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. (CO)

Applied for a vehicle loan in XX/XX/2018 and authorized one credit pull for approval. The auto dealership finance guy proceeded to pull multiple reports upon his leisure and not even trying to secure a loan before I left with vehicle. ( Which he lied about ) After much run around and having to secure my own loan through my credit union, the finance person proceeded to pull my report again. I reported him to his superior and had to use another finance guy to complete and update my paperwork. The original fiance person targeted and intentionally kept pulling my credit when I only authorized one pull. This resulted in my credit suffering. Id like to remove the excess inquiries.
Consumer complaint received 2023-04-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

Its been more than 30 days since the credit bureaus tried to resolve my problem with the account XXXX  ; XXXX Not only that but upon checking more detailed this account. I see that date of last activity is different. If its the same account everything should be 100 % ACCURATE. Furthermore, XXXX never marked the account as being under dispute I have circled the errors in my consumer report. Equifax also has this account as open when its been years that is closed. Please delete this account under the fair credit reporting act. This is a violation and its costing me time and money.
Consumer complaint received 2020-04-29
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: HSBC NORTH AMERICA HOLDINGS INC. (CA)

On XX/XX/XXXX my wife and I were returning an item at the XXXX XXXX in XXXX XXXX, CA. In hind sight we can only assume our HSBC credit card was lost at that location. At approximately XXXX XXXX. I received a text from HSBC indicating there are suspicious charges on my credit card account. I contacted HSBC immediately and was informed someone had used our HSBC card twice at a XXXX 's store in XXXX XXXX, CA., one charge for {$500.00} and another for {$1000.00}. The card was closed and thus an investigation started. I contacted HSBC the next day to ask them how to proceed. I was told the investigation would take approximately 90 days to complete. I waited. Around the XXXX of XX/XX/XXXX, I contacted HSBC and was told the investigation was still ongoing and to wait another week. I contacted them again a week later and was told the same thing again. I pressed for more information and was told I needed to complete a police report. I filed an online report XXXX # XXXX ) and again waited another week. On XX/XX/XXXX HSBC told me the investigator had talked to the XXXX  detective and that the detective would be calling me. Proactively I contacted Detective XXXX XXXX of the XXXX Police Dept. who told me he had no questions for me. Detective XXXX further indicated that the investigator he spoke with mentioned the charges were indeed fraud. I contacted HSBC again to speak with XXXX XXXX unknown last name ) the investigator. He was not available and after be assured on three separate phone calls that XXXX would be returning my call, he has never done so. On XX/XX/XXXX I spoke with HSBC investigator XXXX who told me to submit a complaint in writing to a PO box in New York. I sent a certified letter on XX/XX/XXXX to the address I was given and it was returned today with a NS # which I assume is no-such number. To date this remains unresolved and I have had NO communication in writing or a phone call from HSBC. ALL communication has been initiated by me.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

15 U.S. Code 1601 is part of the Truth in Lending Act ( TILA ), also known as Title I of the Consumer Credit Protection Act. It contains congressional findings and a declaration of purpose for the subchapter, which is to : Ensure consumers can compare credit terms and avoid uninformed credit use Protect consumers from unfair and inaccurate credit billing and credit card practices Strengthen competition among financial institutions and other firms Enhance economic stabilization I want to dispute and delete this off my credit report.

Delete these accounts 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.
Consumer complaint received 2021-05-23
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Enterprise Systems, Inc. (CA)

I made contact with National Enterprise Systems. The representative said I owed from an account they had purchased in order to collect. I asked what account and the representative said it was a loan under XXXX XXXX XXXX. which had gone bankrupt. I asked when was this opened and the representative said XXXX. I asked how much and the representative said XXXX. The representative then said National Enterprise Systems owns the debt now and we will settle for a payment of XXXX. I explained to the representative that I had no student loans and no debt dating back to XXXX. I also explained that my ID, social security number and personal information had been used to open fraudulent credit and bank accounts dating back to XXXX. I told the representative I had filed a police report and FTC report stating this account was fraud. I demanded National Enterprise Systems cease with their frivolous attempt to collect under the Fair Debt Collect Practice Act of the state of California as I had referred the matter to my attorney, XXXX XXXX.
Consumer complaint received 2020-05-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (KS)

I had purchased this card almost a week ago I have been on hold out of all this time Ive called 10 hours total. there website does not function correctly so I cant use that. And my emails have done nothing they are basically holding my money hostage. Its a my vanilla card So I have been unable to set it up do to there flawed system
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

1 ) I applied for a car lease loan on XX/XX/2020. 
2 ) XXXX claims they received a score from Equifax of XXXX. They approved the loan. 
3 ) On XX/XX/XXXX I arrived to pick up car and they alleged that Equifax gave them a score of XXXX. The loan was modified. I suspected a scam. 
3 ) They claim they have the proof to confirm that the " XXXX '' is valid. It is hard to believe their claim because .... 
4 ) Data on my Equifax report does not support a 53-pt reduction in a span of 18 days. 
5 ) If anything, data reveals a reduction in debt, hence score would remain the same, at worst. 
6 ) I need to confirm that Equifax INDEED supplied a score of " XXXX '' to XXXX in order for me to consider a next step, legal or otherwise. Without this confirmation, I am unable to proceed in either direction. 
PLEASE HELP!!!! Thank you!
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (TX)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2021-03-31
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. (NC)

The company ( XXXX XXXX XXXX XXXX ) reported an account to TRANSUNION without first notifying me and giving me a chance to dispute and resolve the issue. The Fair Credit Reporting Act requires XXXX XXXX to send a notice before reporting negative information to credit reporting agencies. In this case, I was NOT sent a notice therfore, I am requesting TRANSUNION to remove this account from my credit report.