davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MD)

Just following the links online and following recommendations. I received a call yesterday from XXXX. Caller Id indicated it was Transworld System Inc. They said an account was sent to collection on my name. I happen to have excellent credit so I didn't understand what they were talking about. Hung up then phone. 

After googling their name out of concern I though they were a real collection agency ; called them back asking what account they were talking about, they asked me my birth date for " verification '' then they were attempting to ask further questions ( questions that sounded exactly like the questions that they use in websites to verify identity... have you lived in address XXXX, what color is your toyota xyz ).. I didn't answer any of them and insisted to provide me info about the account they supposedly had on me. None of this sounded right and I believe they were attempting to apply for something or open something under my name. I confronted them and they ended up hanging the phone on me. 

I am XXXX XXXX XXXX  myself so I am very familiar with phishing practices and social engineering. On top of that my all my credit files I have them frozen. So I am not very concerned on what they would be able to do to me. They obviously already have partial info on me. 

I am really writing out of concern that these people are let free attempting to do harm to innocent people that might fall for this practices. It's very elaborated and they sound legit. 

Doing my good duty and reporting the events. 

Please let me know if you have any questions, Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TX)

I am a victim of identity theft. In 2018 A family member used my information to start a lease without my knowledge or authorization. Ive disputed the collection account before but lacked the police report to make it valid. I now have a police report to turn in.
Consumer complaint received 2022-12-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AZ)

Our mother is a victim of XXXX XXXX, and was scammed out of {$50000.00} last XXXX. 

On XXXX XXXX XXXX my wife, mother and I went to the local Wells Fargo branch in XXXX XXXX, AZ to withdraw the remaining funds in her account. My wife was added to her account. We were told an alert would be placed on her account, and that my wife would be notified if any transactions over {$2000.00} occurred in either her Checking or Savings accounts. 

On XX/XX/XXXX we received a call from a WF office in XXXX XXXX that a check was being cashed for {$4500.00} and my wife was able to decline the transaction. 

About a month ago we were notified all her money is gone. We went to the branch and the same representative felt sorry and submitted an escalation as to why the alert didn't work. 

We received follow-up calls from WF, and their decision was that an alert was never in place. 

This is not true, and we would like this investigated.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX has failed to submit updates to all three credit bureaus since XX/XX/2022. I have made on-time monthly payments since XXXX, even with the system outage, and those payments are not being reported. My credit limit was increased and that has not been reported either. I brought this to the attention of the company 's customer service in XXXX, but not only did it go ignored, but they also directed me to reach out to the bureaus myself. It is not the responsibility of the consumer to report their own accounts to the credit bureaus so clearly there is a disconnect somewhere.
Consumer complaint received 2022-12-02
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

On XXXX there are inquires and or accounts listed NOT MINE I have tried to get help and they claim it is up XXXX me to call each creditor I filed ftc report and sent it in but those items are still on my report when i call XXXX they ask me to send the information again and the portal wont accept my information and my report is not updated when XXXX sent the first letter they would no accept it without a signature, i asked if they would call the creditor to verify the letter and they would not. 

I contacted the creditors and got updated letters with signatures.
Consumer complaint received 2022-12-02
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: JPMORGAN CHASE & CO. (TX)

On XXXX there are inquires and or accounts listed NOT MINE I have tried to get help and they claim it is up XXXX me to call each creditor I filed ftc report and sent it in but those items are still on my report when i call XXXX they ask me to send the information again and the portal wont accept my information and my report is not updated when XXXX sent the first letter they would no accept it without a signature, i asked if they would call the creditor to verify the letter and they would not. 

I contacted the creditors and got updated letters with signatures.
Consumer complaint received 2022-08-10
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: CCS Financial Services, Inc. (PA)

I'm submitting this compliant in reference to CREDIT COLLECTION SERVICES knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE, I demand proof " TO SEE '' Valid Authorization/proof of alleged debt. Report without valid proper discloser requirements are in direct violation of my consumer rights. I XXXX XXXX legally requested a description of details of the verification process used to verify this alleged account. Federal law requires you to respond in 30 days failure to comply with these federal regulations by FTC u.s c41, et esq
Consumer complaint received 2022-12-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NY)

On XX/XX/2022, I attempted to use a balance transfer ( i.e., used a XXXX XXXX XXXXXXXX Credit Card balance transfer offer ) to pay down {$11000.00} of my ~ {$30000.00} remaining balance on my Home Equity Loan being serviced Specialized Loan Servicing LLC. 

Two weeks later SLS sent the check to me with a letter that they will not accept " credit card checks ''. I contacted SLS and could obtain no more info other than that is their policy. 

I don't believe such a payment restriction exists in my mortgage document. 

The SLS refusal to accept the {$11000.00} payment ( and future similar checks ) prevents me from paying down my SLS loan which currently charges me a variable rate of 7 % ( and rising ) with a credit card check that will charge me 0 % for 18 months and has a 4 % fee. 

This this policy will result in me paying an extra {$750.00} in interest as opposed to if SLS had accepted the balance transfer for {$11000.00} and an extra {$2200.00} in interest had I been able to balance transfer the entire SLS loan.
Consumer complaint received 2022-12-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I had a charge on my capital one account for a charge I did not authorize. The charge came from a company online site called " XXXX '' for something called a " charge back '' of {$1000.00} received on XX/XX/XXXX for an authorization on XX/XX/XXXX. I had only done business with this company for an online purchase XXXX TIME on XXXX on XX/XX/XXXX for a software update for my automobile which only cost {$140.00} ( Which I have the invoice for ). I didn't notice unauthorized activity in my account as I had many large amounts of transactions going in and out. It wasn't until I did an audit of my account and noticed the fraudulent charge. I then contacted capital one about the issue and started a claim on it XX/XX/XXXX which was denied after sending them information on the on the matter such as the invoice for the order I actually did for {$140.00} on XXXX XXXX. It was denied. Then I reopened the claim on XX/XX/XXXX and sent them additional information such as emails and correspondence. I also sent over my findings of websites with other consumers having this SAME issue with this company. My claim was yet denied again. I did some digging and found out the folks ( XXXX ) who " bought '' the company and reached out to them only to be told that they didn't have access to the original site and that i just needed to file a claim with my bank. The reason capital one kept giving for the denial was because my information was correct on the charge. However, I provided that same information for the purchase made for {$140.00}. So the company used that information to make the mysterious " charge back '' purchase a WHOLE year later! This was clearly fraud and contacted Capital one multiple times on this issue trying to get them to understand that. It lead to my account closing because I was not responsible for that charge in anyway and was not going to agree to pay for it. And to see that others experienced the same problem is beyond me why they can't do anything more about it. The " XXXX '' was taken down and there are no records of anything which clearly indicates some suspicion. The matter is still unresolved.
Consumer complaint received 2022-06-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: ALLY FINANCIAL INC. (CA)

I bought a XXXX XXXX for cash, in XXXX, from XXXX XXXX XXXX XXXX XXXX California XXXX in XXXX. Car 's identification number is : XXXX. When I bought the car, I fully paid for it with no loans. I fully paid for it when I bought it with no car loans. I went to get the title from XXXX XXXX, on XX/XX/XXXX, and I was told that XXXX  ( XXXX XXXX XXXX XXXX  MD ) is the lien holder and I need a lien clearance from them. On XX/XX/XXXX, I called XXXXXXXX XXXX XXXX who told me XXXX is no longer the holder of this lien and Ally Financial, phone number XXXX is the lien holder. On XXXX I called Ally Financial and they told me they did not have access to this older file and higher management has to review it for 48 business hours. They told me they will call me and that they CAN NOT email me about this case. This concerened me because they said they can not email me for updates. When I asked for an email regarding this case, they said they can not use email for this older file. They generated a reference number for my case which is XXXX. I asked why a car that was fully purchased without a loan, in XXXX, had a lien on it and they said they did not have access to the file and higher management has to look at it and it is possible that it was sent to the lien hold section by mistake. I am concerened that they have put a lien on a car I bought in XXXX and paid fully for it at the time of I bought it. I should have the car 's title. Can you please look into why this institution has a lien on my car and they have not remedied this situation by sending a lien waiver to me or to XXXX XXXX. Thank you.
Consumer complaint received 2022-06-17
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. (NV)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A. (GA)

I submitted one payment to be applied on XX/XX/2022. Two payments were applied and taken from my checking account. Called company. I was told there was a problem with their web site. On XX/XX/2022 another payment was applied and taken from my checking account UNAUTHORIZED. I called her as told this was happening to multiple people. Again on XX/XX/2022 another payment is as attempting to be applied UNAUTHORIZED and I have yet to get my money returned or an explanation as to why this is happening. XX/XX/2022 they attempted again UNAUTHORIZED
Consumer complaint received 2022-08-10
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: Santander Consumer USA Holdings Inc. (NY)

XX/XX/XXXX I called a company by the name of CHRYSLER CAPITAL who placed and inquiry on my consumers report. The number I call was ( XXXX ) XXXX it was an invalid number. I then called XXXX to have the inquiry removed but they rejected me and told me to call the company to have the send a letter stating they will remove it. 

The inquiry was dated on XX/XX/XXXX by CHRYSLER CAPITAL I have no business or account with this company and Ive never applied for anything with them. I will attach my consumers report highlighting the inquiry.
Consumer complaint received 2022-08-21
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. (TX)

In accordance with the Fair Credit Reporting Act, Experian has violated my rights. I sent a letter in asking the credit bureau to send me a statement regarding late payments, on XXXX XXXX Account, ending ( XXXX ), and XXXX XXXX XXXX account ending ( XXXX ) that are reporting on my credit file. The letter was sent on XXXX XXXX and received by Experian on XXXX XXXX. I followed up and provided additional supporting 15 USC 1681 Section 602 States I have the right privacy.

15USC 1681 Section 604 Section:2 It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Paradigm Assets, LLC (NY)

Collection statute of limitation in XXXX is 3 years. The account can not be collected and should be closed. Presenting the account as open indicates collection is possible, but it is not. That shows deceit and is fraudulent. Said account can be reported as closed for up to 6 years. The claim of this wholly owned subsidiary has not been proven. Collector is to provide disclosure and not request XXXX research these companies to find out who is who. 

15 U.S.C.1692e deceptive practices and fraud is what this collector is engaged in. They refuse to provide proof of who they are. 

Original creditor has NEVER mentioned this company to me, and the company they said owned the debt is NOT the company reporting the debt or asking me for payment after almost 5 years.
Consumer complaint received 2022-12-02
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: ID Analytics, Inc. (GA)

In accordance with Fair Credit Reporting, Everything has to be 100 % accurate on my credit report.

The Credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate, the date of last activity is inaccurate, and the date last reported is not accurate. This ground for removal also violated my rights under. 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 an account without my written instructions.

Also, the Credit bureau took more than 30 days to complete my investigation here is my certified mail tracking # XXXX
Consumer complaint received 2022-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (ID)

We were able to get into a repayment plan with PHH after sending them XXXX in XXXX. We made our first installment payment on XX/XX/XXXX, then the following month XXXX PHH claimed they got payment on the XXXX of XXXX. XXXX, our representative, fixed this, knowing our payment was received between XX/XX/XXXX and XXXX. He was able to get us back on the repayment plan. After asking if we could make payment by phone without getting charged, he said he would waive the fee. He processed our payment by phone in XXXX and XXXX without charging us. Yesterday, talking with XXXX, and he told me our account is no longer on a repayment plan. He assured me he emailed the proper person to get it fixed and that he would call me either that day, XX/XX/XXXX, or today. As of the time of this complaint, I left a message with XXXX to see what is happening so we can make a payment. 

I feel XXXX has been accepted to work with us and has accommodated us by not charging a fee to pay over the phone ( I still find this ridiculous that they can charge a price to pay the mortgage over the phone ). Mailing payments proves to be an archaic and unreliable method to pay PHH. The first two months, I mailed the check two weeks early from the first of the following month. 

The bottom line, I feel PHH is not a trustworthy company. However, since returning to a repayment plan, we have made our payments on time. Even more curious is that we never received an official repayment plan agreement, just an email from XXXX saying we are on one. 

We are stressed enough to make our budget work during the repayment plan, which, right now, we are paying XXXX per month. The regular mortgage payment is XXXX, and to have this added stress is not correct, especially since we have been doing what we should be doing. 

Bottom line I just feel PHH is not a trust worthy company we have made our payments on time since going back on a repayment plan. What is even more curious we never did receive an official repayment plan agreement just an email from XXXX saying we are on one.
Consumer complaint received 2022-08-10
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. (FL)

On XX/XX/2022 Equifax claimed that the account listed below was reporting 100 %, how can that be Equifax never did an investigation. The account listed below contains several inaccuracies and missing information. Equifax listed this account as included in a bankruptcy, if so, how is it showing delinquent and included in a bankruptcy ( this is illegal to show an account in bankruptcy and be reporting delinquent at the same time ). For more than 3 months Equifax has continued to say this account is accurate, however that is false as evidenced by my attachments proving Equifax violated the FCRA. Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX.
Consumer complaint received 2022-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

Good Afternoon, On XX/XX/XXXX at approximately XXXX, I tried to make a check deposit at Chase 's branch location on XXXX XXXX  XXXX, XXXX XXXX XXXX NJ XXXX The drive-thru ATM from this location had been removed recently with no ETA on when it will be back, leaving the only alternative to deposit inside the branch. So of course, I went in and the inside ATM had a notice that it wasn't currently accepting check deposits. The next closest branch was a few miles away on XXXX XXXX. I made it there XXXX minutes after XXXX and deposited my paycheck for {$200.00}. The ATM then showed a message that said my entire paycheck would be held until XX/XX/XXXX. The XXXX!!!! 

On XX/XX/XXXX, I woke up to the heartwarming notice that I was charged XXXX overdraft fees at {$34.00} each, backdated to the XXXX, and then received an additional {$12.00} fee for a returned item that Chase seemed so unwilling to process the previous night. 

I have spoken to customer service at this bank time and time again regarding holding my paychecks. I thought banks weren't allowed to do that in the first place, though would like some clarification. Furthermore, I am repeatedly subject to holds on every single deposit. When I speak to customer service, they tell me it's random. It's not random when this happens every single time I deposit a check. 

I find it very tacky that I was assessed these fees when the bank 's own ATM wouldn't let me make the deposit in time to bring the account current. I also find it tacky to charge me a returned item fee on a check they didn't even want to clear until XX/XX/XXXX. If Chase is that quick to process checks, and then wants to hold them for 14 days, then I should be the one charging fees since the bank 's getting an interest-free loan out of me. 

I'd also like to know when the drive-through ATM will be back at my branch on XXXX. XXXX in XXXX XXXX. 

Please abate all penalties and refund them to my account. Please make sure at least one ATM is working at all times. Please stop holding all of my checks for ridiculous timeframes. Chase is currently holding another one I deposited yesterday ( XXXX ) for {$200.00}. There is a pattern with these checks ; I regularly deposit from that account and it shouldn't keep holding them. The money was already taken out of the payor 's account. The check I deposited literally says " paycheck. '' This one 's being held until XX/XX/10. This is unacceptable at this point ; I can understand it for new accounts, or accounts with adverse history. My account is neither. 

Thank you, XXXX XXXX XXXX