davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc. (WA)

I had XXXX Alliance One Accounts on my credit report, for {$60.00} each from " parking tickets. '' They were from a car that I had sold, but the buyer did n't transfer the title. 
When I called to make a payment, they told me they would delete the accounts from my credit report. On XXXX XXXX, I was notified by the credit bureaus they came off my report. On XXXX XXXX, they re-reported with no notification from the debt collector or the credit bureaus. Now, when I call the debt collector, they say that I owe {$5400.00} in past parking tickets. Every time I 've ever dealt with this company, I 've paid my account IN FULL. This is so disheartening that they do this to consumers. I paid them in full, they agreed to delete the accounts, not they re-reported them and it weighed down my credit score by XXXX points.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Fraudulent Account : XXXX XXXX XXXX Account # XXXX An auto loan was fraudulently obtained in my name due to identity theft. I did not authorize this loan or purchase the associated vehicle. This loan was not opened by me, and I only discovered it after noticing it on my credit report. The vehicle has since been repossessed, causing further damage to my credit. I have already disputed this with the lender, but the issue has not been resolved. I request the CFPBs assistance in removing this fraudulent account from my credit report.
Consumer complaint received 2016-01-14
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

I went into my local chase bank and used one of their new atm machines inside the bank that they have been encouraging us to use because it seems they are cutting back on labor and replacing actual humans with machines. 
I was depositing XXXX dollars and the machine took my money and provided me with a receipt that said the machine malfunctioned and to talk to the bank or call and make a claim. Now it is beyond me why the machine did not return my money if it malfunctioned. The machine does not require an envelope or a deposit slip which to me is crazy since now there is no written record of my deposit. I immediately talked to a teller and then sat with them to call and make a claim for the money that has basically disappeared. I was told that they would have someone come out within 12 hours and recover the money and that it was separated inside the machine and that it would not be an issue. This deposit was made on the XXXX of XXXX 2016. I received an email yesterday from the bank saying they finsished their research and said that they only recovered XXXX and would be taking XXXX out of my account on XXXX/XXXX/16. there is no research documents on how they came up with this number. I called and asked and was just told that that 's what they determined with no explanation except that 's how much money they recovered. No date of when, how, who or anything. They told me that I would have to go to the bank branch and figure it out. 

Needless to say I 'm going to be out! XXXX because the bank just robbed me. How am I supposed to prove how much money I put in there when there is no deposit slip required? This is going to be a huge financial burden and I 'm at a loss. I will be heading to the bank now to try and rectify this. Hopefully
Consumer complaint received 2015-07-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (OH)

PNC Bank re-ordered my transactions to charge XXXX fees, instead of XXXX. This has happened more than once to me recently and it caused a downward spiral of my finances for weeks. I was able to get refunds on some, but it took hours on the phone while at my job. In the print-outs attached, the XXXX transaction is what made my account negative. The XX/XX/XXXX fee refund was for the XX/XX/XXXX fee. The XX/XX/XXXX fee was caused by the XX/XX/XXXX XXXX transaction. So why the XX/XX/XXXX fee? The bank 's explanation is that the XX/XX/XXXX fee was caused by check XXXX on XX/XX/XXXX. That check pended for XXXX days and cleared before the XXXX transaction was pending. After the check cleared, the balance in the account was {$1.00}. I saw this happen and that scenario is refected on the print-outs. However, the bank took the XXXX transaction XXXX, according to bank personnel and the explanation attached to the XXXX, which I could not print. So that caused XXXX fees, the XX/XX/XXXX fee and the XX/XX/XXXX fee. I was able to get a refund on the XX/XX/XXXX fee. This should be illegal and this agency should be stopping this.
Consumer complaint received 2015-06-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Healthcare Financial Services, LLC (LA)

I 'm disputing this account because this bill was paid to the originator XXXX XXXX XXXX XXXX XXXX, this account was paid in full on XXXX XXXX, 2014 in the amount of {$130.00}. I have contacted Healthcare Financial Services LLc and XXXX XXXX XXXX XXXX XXXX, asking them to remove this collection from my credit report but they refuse. 
XXXX XXXX XXXX XXXX XXXX, says that they never received my payment therefore forwarded this account to collection. I know I made this payment but not sure what might have happen in-between leaving my home address and reaching XXXX XXXX XXXX XXXX XXXX. I have the canceled check to prove that I paid this account. My goals are to show excellent credit worthiness to all my lenders and to have no doubt. I 'm hoping that XXXX XXXX XXXX XXXX I, can see pass this and delete from my credit file.
Consumer complaint received 2016-02-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MN)

I do not believe the number and catagories are correct XXXX - Serious delinquency, and derogatory public record or collection filed, all my bills are paid on a automatic payment plan XXXX - Number of accounts with delinquency, I do n't have XXXX accounts XXXX - Lack of recent revolving account information XXXX - Too many consumers finance company accounts
Consumer complaint received 2016-01-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Patient Accounting Service Center (CA)

ive contacted XXXX several time last year and have gotten different answers, first time it said it was my ex wife 's name, so i asked them to remove me from the collection they said ok, they would contact her, i gave them an address and phone number for my ex wife as well as her business address, also stated that i have n't been in contact with my ex wife for several years, at least 8 years, i called today XX/XX/2016 and they would n't give me information as to by whom or when the account was put into collection or what it was for, they said well can i have her number to contact her, why would she put you on their if you guys are divorced, referring to my wife, again i gave them my information, and i feel as if nothing is happening, i did not go to this facility i have no knowledge of this account my ex wife and i have been divorced for 8 years
Consumer complaint received 2015-07-02
Product: Consumer Loan — Title loan
Issue: Lender repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I took out a loan from LoanMart XXXX XXXX Loans. My first payment was due XXXX/XXXX/15. I contacted them and told them my payment would be late which I was told is in compliance. I was to make my payment to them on XXXX/XXXX/15 so that would include XXXX payments. I received a billing statement reflecting that with no past due charges because I contacted them. They repossessed my car and damaged it and my yard on XXXX/XXXX/15.
Consumer complaint received 2015-04-21
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

Today, XXXX/XXXX/XX/XX/XXXX, at XXXX XXXX CST, I received a phone call from someone stating that they are with the XXXX and that they are representing HSBC Bank. She stated that they are working with HSBC to file Felony Theft of Business Services charges against myself and my husband due to a vehicle that was repossessed from us. The vehicle was repossessed back in XXXX XX/XX/XXXX. She stated that HSBC has been sending letters to us, but we have not received anything to date in regards to this. The address that they have supposedly been sending letters to, we have not lived at for over 6 years. We put in a forwarding address with the post office and our current address is listed on file with our credit report. The original creditor HSBC has already written off the debt and it has already fallen off of my credit report. I have not seen the collection for the debt listed on my credit report any longer as of XXXX XX/XX/XXXX. Can they legally file these charges against us on a debt that is almost 8 years old? Is n't this considered a " Dead Debt '' which in Texas is illegal to collect on? When I requested written documentation, she stated that it would take 30-45 days to receive in the mail. She stated that they only have it in their office for the next XXXX hours before it goes to be processed for a summons for court. She did not ask for my current address. She also stated that I would be receiving a summons in the mail to appear in court in regards to this matter. HSBC has made no attempt to contact me since XX/XX/XXXX when the vehicle was repossessed.
Consumer complaint received 2015-04-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (GA)

I disputed an inquirty from Ccb/Ppc with Equifax on XXXX XXXX, 2015 and was sented the results stating that the Inquiries are a factual record of file acces. I disagreed with Equifax and ask in a cerified letter dated XXXX XXXX, 2015 that they provide me with:1. Method of Verifcation2. The name and phone number of the person they talked to. 
3. Copies of any documents paper or online they used in their investigation. 
Equifax responed by senting me the same letter i received on XXXX XXXX but with a different Confirmation number. Equifax voilate my right under the FCRA section 611 ( a ) ( 7 ) and i intend to file a claim in small claims court against Equifax for this violation. I have include uploads of the return receipt from the XXXX postal service showing Equifax received my letter, copy of the results from Equifax dated XXXX XXXX 2015, a copy of my letter ask XXXX Equifax for their method of verification and whom they talked to and their phone number as well as any documents used by Equifax to validate their results and a copy of thier letter dated XXXX XXXX Equifax sent when i ask for results show how they investagated this inquirty. 
These are my rights under the Fair Credit Reporting Act ( FCRA ) section 611 ( a ) ( 7 ).
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am filing this report due to the fraudulent accounts that are appearing on my most recent credit report. They have ignored my attempts to correct this erroneous information by no response or removal from credit report dated back to XX/XX/year> I have received 4 stall letters. I have attempted to settle this matter with Equifax with by mail, tracking # XXXX All attached ( XXXX ) FTC report # XXXX ( XXXX ) Inaccurate dispute of personal information letter ( 3 ) Dispute of fraudulent accounts letter ( 4 ) Utility bill with current address ( 5 ) Image of current ID ( 6 ) Last four digits of social pursuant to FCRA 605B ( 15 U.S.C. 16810-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.rights. 

account name # XXXX XXXX account number # XXXX  XXXX account name # XXXX XXXX XXXX  account number # XXXX account name # XXXX XXXX account number # XXXX account name # XXXX  account number # XXXX 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-04-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: On-Site Manager, Inc. (TX)

I recently received a credit report prior to applying for an apartment. 
In the criminal background check area there are XXXX charges that are NOT mine. 
Case Number : XXXX XXXX. 
Case Number : XXXX XXXX XXXX XXXX. 

I would like these XXXX charges taken off of my credit report asap as they are not mine. 
Thank you.
Consumer complaint received 2015-07-01
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc. (OR)

Called and told my employer that they were calling on a legal matter. When I was passed the call, I was told by XXXX XXXX of ARA , Inc. that she was contacting me and my employer to notify them of a judgement against me in the county in which I live. First of all, she herself stated the debt was charged off XXXX ( which is a lie ). Secondly, I have never been notified of any court proceedings because there have been none. I have received numerous threatening letters and harassing calls even after requesting they do not contact me at work again. That debt was 7-10 years old XX/XX/XXXX and I have lived in Oregon for the last 12 years ( in XXXX ). These people need to be dealt with. This abuse is not allowed by the Federal Government or any State in the United States
Consumer complaint received 2015-09-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2015 I requested my free experian credit report. I found out that a strange company named XXXX ran my social security 3 times to lend money to someone under my name. The loan was denied 3 times which mean this person is trying several times to steal money under my name. The days they requested the loan are XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I contacted the company by emailing them. the associate fraud analyst XXXX XXXX called me to express the company concerns and offered me to help me to filed a complain with you but she needed my info i said no thanks ill do it myself. My concern with this company is the following : what kind of identification the company request to the public to run someones social security to provide a credit? None? a fake one? fake identifications are noticed i guess? they can not just ran social securities from people which appear in their credit as denied for 2 years. thank god i have a terrible credit. 
Please contact this company to check on them if they are doing something illegal against population to obtain business. the name of the company is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXphone XXXXor directly with the fraud analyst XXXX XXXX
Consumer complaint received 2016-02-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (PA)

XXXX XXXX XXXX and Greentree and Ditech are all adding fraudulent charges to my account just to try to take more money from me that they are not owed. I wrote a check to them for my full mortgage payment every single month since the inception of this loan, for full principal and interest payment and they cashed my checks and did not credit the amounts to my account. I called and wrote and tried forever to resolve it with them. then they started collecting my checks and holding them and not cashing them. by miscrediting my payments and then later not cashing the checks at all, their scheme was to then start charging me all sorts of fees and accusing me of being late and not paying. they called many times and spoke rudely and calling me names and threatening me with foreclosure and would not acknowledge the reality of the situation which is that they received and cashed my checks. then they began returning my checks to me after holding them for months. they continue to threaten me with foreclosure. I tried to talk to their attorney who also seems to be in on the scheme and told me and my attorney that I should stop sending checks because if I dont send a huge amount with the thousands they allege are overdue they wont accept the checks.
Consumer complaint received 2016-01-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: COAST PROFESSIONAL INC (KY)

I had a collection of parking tickets in college, and since my college was being paid with a fund not in my name, the debt was settled in divorce court when my parents divorced in 2013. Since 2013, XXXX XXXX XXXX University has continued to contact me about the debt that has been paid.
Consumer complaint received 2015-04-22
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

THIS IS NOT A CHARGE DISPUTE. IT IS ABOUT TAKING THE CHARGE OFF FROM MY CREDIT HISTORY. 
I held a Bank of America Credit card. My credit card was stolen around XX/XX/XXXX and there were fraudulent charges on my card. I noticed this when I received the statement and launched a complaint with Bank of America ( BOFA ) and disputed the transactions. BOFA froze my online credit card account and reversed the fraudulent. As a result I was unable to see any outstanding bills on my account. There was a genuine {$40.00} XXXX clipper card fee that was outstanding on the bill. As my account was XXXX, I was unable to see any outstanding payments on my account and the amount was sent to collections. I made the payment as soon as I received the statement from collections, However, this impacted my credit history. I called BOFA in early XX/XX/XXXX to take the late payment charge off my credit history and called back in XX/XX/XXXX to follow up. I was assured by BOFA that the charge was taken off from my credit history. I applied for refinancing my current mortgage and was told that the late payment impact is still being in reflected and my credit score has been impacted. As a result, I was declined the loan that I tried to refinance. BOFA promised that the charge has been taken off my account and it takes XXXX days to reflect on the credit card. I spoke to BOFA exec throught chat on XXXX and XXXX. I was assured that a customer service exec would contact me with the status. No calls. I tried calling them today on XXXX narrated the whole story and was then transferred to another department and then the call dropped. I tried again after being transferred to billing dispute department, fraud department and several other departments, I was told that the charge will not be taken off from my credit history and that I should take it up with the XXXX. My questions : 1 ) Why was I not told this when I followed up with them in XXXX, then in XXXX, and XXXX.
Consumer complaint received 2016-02-18
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Navient Solutions, LLC. (AZ)

I have a private loan through Navient, formerly XXXX XXXX. The original loan amount was less then XXXX in 2005. I enrolled in XXXX XXXX of XXXX but had to switch schools after XXXX semester. The program director left the office early so I was charged for XXXX full terms and the credits did not transfer. I am unable to refinance my loan and by then end of the term will have paid Navient over {$30000.00}.
Consumer complaint received 2015-12-31
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: CAB Receivables, Inc. (VA)

Credit Adjustment Board contact me in reference to a {$140.00} medical bill that I owe and I told them im unemployed and made arrangements with the dr office directly and was going to pay them directly and was basically cursed out and told she was going to list my file as a refusal to pay and send it to the courts.