davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC. (PA)

As of XX/XX/22 I have received calls once or twice weekly ( and escalating ) from a company calling themselves Halsted Financial Services at ( XXXX ) XXXX. They use a robo machine to make collection calls and texts using anonymous numbers to avoid screening. Each time I have answered the same woman with a distinctive accent attempts to " verify '' my details before talking about my " debt. '' She immediately begins asking me for personal information and already has the last 4 digits of my Social Security Number. They claim I have a debt with XXXX XXXX, a company I have never had an account with as I have had XXXX XXXX XXXX XXXX for XXXX years. I called XXXX XXXX and verified with XXXX in their billing department that I have never had an account or debt with them. I then called Halsed Financial and the phone was answered by a woman with the exact same distinctive accent. She and her " supervisor '' both said they would take me off the call list with nothing more than my curt insistence that what they were doing was wrong. These people are committing fraud and the " less savvy '' need them to be put out of business. Thank you.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Finance System of Toledo, Inc. (OH)

XXXX XXXX of XXXX called XXXX/XX/XX/XXXX and did not verify any PII, but provided full SSN & DOB without receiving any information as to whom they were speaking with to discuss an account. They advised the account would be removed upon payment. The original creditor XXXX was also notified and was advised upon payment account would be removed from credit report. No such action was taken. This will be my second small claims suit in XXXX if this is not resolved.
Consumer complaint received 2021-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

I paid off my credit card balance online XX/XX/XXXX and received a confirmation of the transaction. The card is with XXXX XXXX XXXX Bank. I then clicked the button to close the account. Today, the day the payment should have been removed from my account at XXXX XXXX XXXX XXXX, there is no transaction showing and when I go online to the Capital OnXXXX site it tells me my account balance is the same and I can only pay XXXX percent of the balance at a time while they will charge me interest. They have already applied an interest charge as of XX/XX/XXXX of XXXX. I called their customer service line and they tell me there is nothing they can do and I have to call back tomorrow. I asked for a supervisor to override the system and the representative said there was no one available. This is usury. There is nothing to my knowledge in the contract that says I can't pay the balance on line and close the account.
Consumer complaint received 2021-11-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings (TX)

This company has continue to contact me after ceasing and desisting all communication in behalf of a debt that is not an obligatory right of this company. This company claim i owe {$400.00} I have not given written consent to this company to locate my place of dwelling, in pursuant to an alleged debt not owed directly from me the consumer. This is a violation of the FDCPA, XXXX, Congressional title XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX.
Consumer complaint received 2022-01-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

Bank of America kept denying me a modification while the " no partial payment '' stipulation continued for my account XXXX, XXXX until XXXX, XXXX. I received foreclosure/short sale notifications while consistently submitting requested documentation and appeals. The amount that accumulated during the period that I was denied or kept in limbo of a decision is now a balloon amount on a modified loan approved and satisfied to date beginning XXXX, XXXX. This amount is reported as a part of my mortgage total and it keeps me from qualifying for home improvement loans. I am not allowed to separate the amount or pay on it aside from my principal. Homeowners with the same complaint have been awarded money in lawsuits that I did not qualify to partake in because I did not physically lose my home, although I was constantly threatened of the same outcome. On the last attempt for assistance, Bank of America did not render a decision for 4 months and then sold my account in the same month of the final denial, tXXXX XXXX XXXX XXXX. I was approved for the same modification that I had applied for under the same circumstances with Bank of America, the first time I applied with XXXX. My home needs normal upkeep attention and I am at a loss with the reporting and responsibility of this balloon debt that Bank of America allowed to stack with unfair application processing and decisioning.
Consumer complaint received 2022-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (MA)

XXXX XXXX XXXX XXXX XXXX filed a claim for breach of contract in the amount of {$340.00} on XXXX of XXXX. I contacted XXXX XXXX XXXX an informed them that I never signed a contract with their company and as such would not pay this amount. 
I paid for all oil that was delivered XXXX was unable to provide a signed contract Sunrise Credit Service Inc XXXX XXXX XXXX XXXX, NY XXXX contacted me by mail dated XX/XX/2021 demanding {$420.00} for XXXX XXXX XXXX XXXX XXXX I sent a written response on XX/XX/2021 stating that I never signed a contract for oil delivery with XXXX and would not pay this bill I was contacted again by telephone and informed the caller that I had already responded by email and he said that he would make a note in the file XXXX & XXXX XXXX sent me a letter dated XXXX XXXX for collection of {$420.00} For XXXX XXXX XXXXXXXX I am under the belief that this must be the XXXX Heating claim I do not owe this money and I will not waste more time responding to these claims
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AUTOMOTIVE CREDIT CORPORATION (PA)

Account was not paid late. Account never hit payment of 30 days late. Customer was in XXXX with XXXX and no one at the creditor would talk with anyone but him to take the payment. Payment was made but applied to different account by mistake and they would not work with or correct the issue till they talk to the customer who was fighting for is life
Consumer complaint received 2022-03-24
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2021-09-14
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. (VA)

My account still shows a XXXX  XXXX XXXX XXXX  as " open '' although the loan was paid off XX/XX/2021. 
I filed a dispute, but their website was unable to upload my payoff confirmation letter. 
I then called Equifax, but was told that they are unable to accpet documentation submitted AFTER a dispute is filed. 

Complaint : Equifax 's policies prevent a consumer from submitting documentation in order to resolve a dispute
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Transunion has been reporting inaccurate information on my credit report, accounts by XXXX XXXX XXXX and XXXX XXXX are reporting open still, the CFPB had investigated these accounts and they were closed due to inaccurate information.
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX  XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open these account with XXXX and XXXX, I am not responsible for any payments for this account. I have no business with XXXX and XXXX. I do not have a loan or contract with XXXX and XXXX or owe a debt to XXXX and XXXX is attempting to collect a debt on the basis of fraud. XXXX and XXXX has report false, derogatory, defamatory and slandering information about me to the credit Bureaus on XXXX and XXXX by which has resulted in my being damage, such action cause by way of denial of credit due to the inaccurate and negative information!!! XXXX and XXXX decided to ignore my demands for Validation and put negative information on my credit report. XXXX and XXXX has report defamatory information about me to the 3 credit bureau on account. Breach of fiduciary duties, failure of consideration, Misrepresentation of a material fact, unjust enrichment, no loan or considerate was given. I understand that you shouldn't be allowed to put any information on my file unless I have authorized it. Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature and the actual accounting showing a loss. Provide proof of claim with evidence that you have legal and lawful authority to collect. Failure to substantiate the claim, please settle account immediately. Im challenging this account with XXXX and XXXX. I understand that you shouldn't be allowed to put any information on my file unless I have authorized it. Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature and the actual accounting showing a loss. Provide proof of claim with evidence that you have legal and lawful authority to collect. Fair Credit Reporting Act ( FCRA ). Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature. Failure to substantiate the claim, Delete accounts immediately.
Consumer complaint received 2021-10-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX I received a notification that an account was added to my consumer report. I noticed it was from XXXX XXXX XXXX. An account that was removed from my report in XXXX. I reached out to XXXX XXXX and explained to him that this account had already been removed. He said there was nothing he could do they reached out and asked for info concerning identity theft and never received anything back. 
The identity theft form came attached with a cover letter clearly stating that it was not blocked in error, along with an identity theft affidavit. They have everything they needed to remove the account, but are now playing games.
Consumer complaint received 2022-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (OH)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SIMM Associates, Inc. (GA)

I recently received a copy of my consumer report, and I noticed some accounts on my consumer report that should not be on there. I demand the below account deleted from my consumer report. 
XXXX XXXX  with account # XXXX with a balance of {$570.00}. 
I demand the reporting company cease and desist pursuant to federal law. The reporting of these account ( s ) is/are violations of 15 USC 1692 c ( c ), The Fair Credit Reporting Act [ 15 USC 1692 c ( c ) ] ( c ) CEASING COMMUNICATIONIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

The reporting company is in violation of the federal law under the FCRA. The reporting company does not have permissible purpose to report the account information above pursuant to 15 USC 1681 b. I demand this account be deleted from my consumer report. 
Best regards, XXXX XXXX
Consumer complaint received 2021-02-19
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. (OH)

On or before XX/XX/2020 I was pressured by a car salesman to have my credit ran after taking in an preapproval through an auto company. He state that they would be soft pulls and would not affect my credit however the inquiries still show.
Consumer complaint received 2022-01-14
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. (NY)

Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.
Consumer complaint received 2021-10-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I received a call from someone acting as XXXX XXXX. There was an automated system that said the call was from XXXX XXXXXXXX and that my services where in the process of being disconnected if a payment was not made. I agreed to make payment during the 35 min call. I became suspicious when the man acting on behalf of XXXX XXXX asked me to make a second {$240.00} payment. I advised the caller that I had confirmation that the payment was made. The caller abruptly ended the call. I immediately contacted XXXX XXXX who advised they did not call me. I immediately contacted Bank of America to stop the transaction. The Bank of America rep advised me that they could not stop the transaction and a claim would be filed for investigation. The rep informed me that this was a BOA to BOA transaction. The rep said I would receive a credit in 2 business. I didnt get credit and called back to be advised that an investigation was pending in 10 business days. I advised that I had new address and confirmed email address. I didnt get a response so I called today to be advised that my claim was denied and I needed to contact other party. The rep advised today that I will need to submit docs to prove scam. I advised theres nothing to submit other than a screen shot of my call log which will show some number I gave them. I am being asked to send supporting documents. I have nothing to submit. I am requesting the bank to investigate the recipient who acted as XXXX XXXX and defrauded me. If this is also Bank of America acct just like mine, they should be able to easily verify this is a scam to confirm fraud was committed. I am asking you all to review this matter as it is clear this claim was not thoroughly investigated.
Consumer complaint received 2021-09-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

I just uncovered that my mortgage company Carrington Mortgage, LLC has taken advantage of my disability and ability to financially understand the documents for my re-modification during my hardship. It looks like they have deferred the same full amount of my principal balance of my loan. So no I Carrington double the value of home is worth. My outstanding loan is higher then the worth of the home. No did not take out a second mortgage. I can not an answer from anyone other than I signed the documents in 2019 when I modified. I feel they took advantage of me as well as those companies I tried to seek professional help, paid money and never fully followed through the modification. My disability has hindered my life a great deal in managing important things not to mention being a single parent of XXXX.
Consumer complaint received 2024-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Velocity Portfolio Group (TX)

XXXX XXXX XXXX is the XXXX party trying to collect in this debt. Velocity Investments purchased this debt from XXXX. Now Velocity is claiming that I owe them this debt. {$2600.00}, from XX/XX/year>. 
Summary of Complaint : I am submitting this complaint against XXXX XXXX concerning their collection practices and the validity of the debt they claim I owe. Below are the specific issues : Ownership of XXXX : Provide documentation of the chain of ownership, including how the debt was purchased and transferred to the collector. 
Legal Collectability of Charged-Off Debt : Clarify how a charged-off debt remains legally collectable and why collection efforts are continuing. 
IRS Reporting ( 1099-C ) : Explain why a 1099-C form has not been issued if the original creditor has canceled the debt for tax purposes. 
Compliance with FDCPA : Detail how the collector is adhering to FDCPA rules in their communication and collection practices. 
Use of OC-10 Federal Reserve Window : Explain whether the original creditor used an OC-10 Federal Reserve Window or similar process involving negotiable instruments, such as a promissory note, to settle this debt, and clarify why this debt is still being pursued if it was already processed through such mechanisms.
Consumer complaint received 2022-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Synovus Bank (CA)

In XX/XX/XXXX I was made aware that XXXX XXXX had reported XXXX separate late payments on my credit report from XXXX & XX/XX/XXXX and XX/XX/XXXX. This mistake led to me having to call the company several times over the course of 3 days from XX/XX/XXXX, up until XX/XX/XXXX, in an attempt to have them correct their error, an error which also led to my credit score reflecting an inaccurate number.