davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Collection Consultants of California (CA)

Collection Consultants is reporting a collection account on all XXXX credit bureaus illegally. I had a medical bill with a hospital. I had a payment plan with the hospital while I was investigating the charges. I had NEVER gotten a bill that I demanded. I do not believe I owe this. I disagree that I received some services or goods at the hospital. Neither did my insurance company. Nobody ( not the hospital or Collection Consultants ) has been able to provide to me an itemization of the total bill. When I questioned this the hospital sent the bill to Collection Consultants even though I was paying them. They just stopped sending bills then Collection Consultants sent me a letter demanding the payment in full. I called. I told them I was investigating the charges and that I needed them to send me a copy of their HIPPA compliant agreement with the hospital, a copy of their assignment, and an itemization of the bill including anything that I authorized. They never provided this information. They never validated the debt in accordance with the Fair Debt Collection Practices Act. I did pay them only because I did NOT want it to go on my credit and I was assured it would be removed. The representative said at the end of my XXXX payment plan it would be removed from my credit. This did not happen. They deceived me and did not validate it. They have XXXX things I have issue with. 1- I do not believe they followed HIPPA laws. 2- They have reported this to the bureaus when they did not have a legal right do so because they did not validate their legal right to when requested, 3- they used deceptive practices to collect the debt. They promised me it would be removed.
Consumer complaint received 2015-08-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On XXXX XXXX, 2015 the original credit reporting company ( XXXX ) submitted my name to the XXXX credit bureaus for deletion ( XXXX reference # XXXX ), and while XXXX & XXXX have removed my " open acct. derogatory mark '' from my credit report ... Transunion continues to report this erroneous {$1.00} open collection debt on my credit report - which has had direct impacts on services I 've sought. I 've contacted Transunion who informed me that they must here directly from the collection agency. If XXXX & XXXX were notified that my name / open collections derogatory mark from their records ... I 'm sure Transunion was notified as well ; however, they have refused to remove this derogatory mark from my credit report.
Consumer complaint received 2024-08-29
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. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.
Consumer complaint received 2015-05-13
Product: Credit card — 
Issue: Sale of account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I was an Orchard Bank customer in good standing with a {$500.00} secured card. In 2013 Orchard Bank was acquired by Capital One. I now have an unsecured card and I am in good standing with Cap One. I contacted Capital One to find out about the {$500.00} from my secured card. They said they have no record of this. As I looked for commecnts from others regarding this situation on the web I see there are others in the same predicament. I am still pursuing Cap One to make this right.
Consumer complaint received 2015-05-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (VA)

I recently filed for bankruptcy. I was current with my Navient STudent Loans, paid XXXX off and was on auto pay. last month, Navient cut off my auto pay and disconnected me from using the webpage to log in and pay my bill. I noticed it was not paid, so was going to use the website and make sure I was still set up on auto pay. 
I called and a rep told me that she could not help me and I would get a notice in the mail due to my bankruptcy which was final XXXX XXXX. I called back a few days later, worried they were trying to stop my payments and garnish my spouse wages. I was able to make them reset up my payments that were not late and Due XXXX XXXX. Relieved, I was able to stop my anger and get on. 
Yesterday, I was called by a Navient collector and he said that the payment did not go thought because I was not late, Now I was late and had to pay late fees. Then I could go through the process of setting up on auto pay. 
I was cut of from my account, and make late with interest, all the while current on my student loans. They kept telling me that they could not find my account and my spouse was made primary on the loans even though were current. The bankruptcy did not disolve my loans, why was I harrassed, blocked from payments, and made to answer an recording about being in forbearance. I was forced to answer that I was in forberance in order to get back on auto pay. It is humiliating enough to have a college degree and no stable income. To be treated in this manor has caused me undue stress. 
I have other student loan providers, who did not do this to my when I was in bankruptcy. I need help getting back my interest that I had to pay. the collectors on the phone will not stop until I paid the late fees and was put in forberance. I also got a letter that I needed to update my email address, or some benefits would be stopped. I had unsubscribed to emails since I was on auto pay. I did not want monthly notices from them. They had my email address already. Nothing has changed. 
I never got a good job since going to college an never had the money to pay back loans, I work several jobs to make ends meet. Recently started my own business to get work.
Consumer complaint received 2015-04-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

I have sent XXXX certified letters to Rash Curtis and Associates to have a fraudulent collection account removed from my credit and they continue to ignore but they are apparently responding to the credit bureaus advising them that the account belongs to me- it does n't!!! 

Originally they were reporting XXXX unknown accounts then they were removed and all of a sudden a new account appears with a different account number # XXXX
Consumer complaint received 2015-12-07
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (FL)

I had a leased vehicle. When I turned it back to XXXX I was billed {$600.00}. I am XXXX yrs old, get food stamps and can not make ends meet. The lease had been paid by a relative who can no longer help. It was financed through Ally. I have been sending a {$10.00} check faithfully every month. However Multiple phone calls continue to come although I have contacted them both by phone and mail. Although I have blocked the calls they continue to leave messages which use up my meager allotment of minutes on my cell, my only phone.
Consumer complaint received 2015-08-07
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (TX)

I have previously submitted XXXX complaints regarding our mortgager PHH and the illegal sale of our home. We were in foreclosure in the XX/XX/XXXX and were in the process of completing a mortgage modification application. PHH sold our home on XX/XX/XXXX. The sale occurred prior the the deadline for submission of required documents. When we brought this to the attention to PHH and the XXXX, PHH rescinded the sale almost 2 months later. This was after we moved out of our home out of fear of a sherrif 's eviction and a local realtor pressuring us. We have experienced stress and financial burden as a result of this. In a prior complaint with the XXXX, PHH responded, stating that an offer for modification was given in XX/XX/XXXX and was not returned by us. This was immediately after the sale rescinding. We did in fact respond to the modification offer in a letter stating that we were officially opting out of the offer. A letter was sent to PHH and we verified receipt. 
We are in the process of suing PHH for fraud, breach of contract, and damages - as a result of the illegal sale of our home on XX/XX/XXXX. We are asking that you be part of the monitoring process, or if possible, assist us with this. 

We have made initial contact with XXXX XXXX, liaison to the office chairman at PHH - XXXX X XXXX We have tried unsuccessfully this week to speak to an attorney at XXXX and XXXX, who represents PHH, - XXXX. 



Please see attached documentation. Thank you.
Consumer complaint received 2015-05-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I have previously complained about my mortgage lender BOA XXXX and XX/XX/XXXX both times they pretended to correct the reporting on my tradelines and did change them some only to add more incorrect reporting later on. Per ftc ruling no tradeline can show derogatory marks over 1 month past the filing date.They also transferred the servicing to XXXX XXXX and XXXX XXXX XXXX, who also placed deogatory marks on my tradelines.They have marked them as charge offs on the tradeline which is an additional derogatory beyond discharged in bankruptcy.In XXXX vs. XXXX the cras agreed to specific coding but they continue to violate the law.I dont care if they can identify me at this point i look forward to XXXX XXXX XXXX CALL I also would like to add that at no time have i missed a payment before during or after bankruptcy but this lender continues to try and ruin my attempts to rebuild my credit!!!!!!!!!!!!!!!!
Consumer complaint received 2015-08-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

They are showing that I have XXXX mortgages on my transunion with XXXX which is hurting my credit score when I only have XXXX. please remove the old mortgage I have a XXXX score with transunion and a XXXX with XXXX because of this error
Consumer complaint received 2016-02-23
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Fidelity National Information Services, Inc. (FNIS) (IL)

I am not satisfied with the XXXX from ChexSystems. In my disputed request I asked for copies of the documents sent to them from the appropriate companies in dispute. In that disputed statement I clearly stated that I wanted a copy of what CHEXSTSTEMS received from the companies. If they can not provide that information to me then they have not meet the burden of proving that they this information is accurate. I am stating that this information being reported is not accurate. I never stated identity theft. I stated this information is not being accurately reported and that the inquires on my report are not accurate in that they did not obtain my authorization to inquire or receive a copy of the report. If ChexSystems can not provide documented and written proof that these people have accurate information and that they received proper authorization this needs to be removed from my report. The derogatory items are causing me harm and they are not accurate and the inquires are not any that I am aware of at this time. With that stated ChexSystems is not following the law and is reporting inaccurate information. If ChexSystems continues to do this I will have not other choice but to file a lawsuit in federal court and to sue the other parties listed as well. If ChexSystems is checking and truly investigating they should have provided me with a accurate duplicated copy of what these companies have sent to them as so called proof. Based on their actions they have not met the burden of proof of the law and they should be required to do so. I am so tired of agencies doing XXXX like this to people. I want duplicate copies of the documents sent to ChexSystems as proof of these degrogatory items being reported. I do not believe that Chex sytems has contacted these people at all. If they had contacted them they would provide duplicate copies of the information they received. I will be waiting for a accurate response. ChexSystems is sending what they feel like sending and not what is required by law
Consumer complaint received 2015-12-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MD)

Good Day, recently I 've attempted to get some information removed from my credit report which still shows that a IRS tax lien is applied to my account. This lien has been released for approximately a year now and has not been removed from my credit report. I 've contacted Equifax XXXX on this matter and each time they simply reaffirm the fact the lien has been released yet fail to remove it from my credit report or reflect the fact that it has been released. Also it would seem that they are allowing companies to change the date of when derogatory remarks were applied to my credit report to allow them to reflect poorly upon me for a longer period of time. Any help in this matter would be greatly appreciated. 
XXXX XXXX
Consumer complaint received 2016-02-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

experian has updated false information, that is very harmful to the credit standing on experian personal credit report ( included here ) .the final and last payment on this forclosed real estate loan was XXXX.that means this account is far beyond the 7 year limit of negative reporting.I have obtained a complete payment history of the loan from XXXX XXXX XXXX today ( incuded here ) .the XXXX XXXX XXXX account number is XXXX. 
THIS ACCOUNT ACCORDING TO FCRA MUST BE DELETED IMMEDIATELY, XXXX AND EXPERIAN BOTH HAVE LEGAL LIABILITY.
Consumer complaint received 2015-04-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (FL)

on or about XXXX XXXX i sent credit XXXX a letter to the ceo/ president XXXX XXXX XXXX in reference to this account and stiplulated the reson why this account should no longer be reported to the cra agency ( see previous dispute XXXX ) about 5 days later the trade line was removed from both XXXX and XXXX I assumed this did not happen by accident as it has been on my tradline for over 4 years.I assumed equifax did not yet or had delay in getting this information from XXXX. However on XXXX XXXX I received a letter from the office of the President and it then stated it has intiated the process to remove the tradeline, i then called equifax to notify them of this letter and they siad they have not yet received the request from XXXX i thought this was odd since the other cra have and removed the file as requested by XXXX XXXX. I am memeber of my fico and for what ever reason equifax seems to be slow or have some internal issues with this process. After speakign with the rep they said i willl have to dispute it and provide such duccumentation wich i did on friday XXXX XXXX. Today I went to check the status and i notice already they have completed the investigation and they verified the acccount this was obvious a XXXX automated response and does not coincide witht the obvious wishes in the atach letter from credit XXXX. Per XXXX office of the Prsident this letter this from has account should be removed Immediately. Also they XXXX instructed me to send a copy to the cra which again their clear and obvious intent is delete the trade!
Consumer complaint received 2015-05-19
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

My credit bureau score dropped XXXX points. Upon checking I found that there is a charge of {$26.00} reported delinquent by capital one. I called capitalone to check as all my accounts with them are fully paid. They said that they had a charge of {$3.00} on my account in XX/XX/XXXX. This account was closed by me in XX/XX/XXXX. The person had no idea why a charge was approved on a closed account. They charged another {$23.00} late fee and reported a charge of {$26.00} to credit bureau significantly lowering my credit score. They did not give me any date of resolution of the issue. This is a huge operational risk event. We had plans to refi our mortgage which was postponed due to this XXXX by capitalone.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2015-12-05
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (NY)

I was trying to use my chase card at a bakery on XXXX/XXXX/15 in XXXX and discovered my charge card was declining my transactions. Chase card company texted and called me to inquire about the unusual activities they spotted on my card. I informed the chase representative that those are charges on my chase card not mine and they are unauthorized, therefore terminate my card. The chase representative then asked me, when was the last time I used the chase charge card? I explained to the chase representative that I used the chase card on XXXX/XXXX/2015 at several stores in XXXX, XXXX. I did not use my chase card in XXXX nor XXXX to purchase apparel. The chase representative stated that he will forward my disputes to the chase claim department and they will provide me refunds on the unknown charges to my chase account. The chase representative also stated that I will be receiving a new chase card in the mail. I thanked the chase representative for his assistance in this matter.
Consumer complaint received 2016-02-23
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (NC)

I have a business account with PNC Bank. After my last over draft fee I requested to have the account to not except my debit card if funds were unavailable. This was last XX/XX/XXXX. 
Since I monitor my account daily. 
I made a deposit and had funds available on XXXX. On the same day ( Saturday ) I made a cash withdraw and several purchases using my debit card. On Monday ( XXXX ) at XXXX I showed money in the account and the pending deposit and the outstanding purchases. On XXXX I checked my account to discover that that deposit had cleared into my account and the waiting purchases had cleared as well. But the bank took advantage of my balance to what customer service rep XXXX XXXX said the waiting purchases had cleared before the deposit. XXXX over draft fee for XXXX dollars each were charged to my account. I was unable to have the fees returned. I make a deposits on Friday and the check is cleared the same day, available the next day ( Saturday ). Make a deposit on a Saturday and funds are n't cleared till after XXXX Monday. If the deposit clears first no problems but if purchases are pending the bank seems to always take advantage of the pending purchases and not the deposits to go after over draft fees. I have screen shots of my account and never once does it show the account in the negative.
Consumer complaint received 2015-12-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

I recently received in the U.S. Mail a copy of my credit file from Equifax dated XXXX XXXX, 2015. Under their " Previous Addresses '' listed section it listed that I once or currently live at : " XXXX XXXX XXXX, XXXX. ; XXXX XXXX ; XXXX XXXX, XXXX ; XXXX ; Reported XX/XX/2015. '' In reality, I do n't live there, nor have I ever visited the State of XXXX nor do I know of anyone who lives in the State of XXXX. I currently work fulltime for the State of XXXX and have done so for the last 27 consecutive years. When I called Equifax recently to ask them to " remove '' that false Identity Theft State of XXXX address, they refused to do so!