davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-12
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Drew Eckl & Farnham, LLP (SC)

I received a HELOC mortgage back in  XXXX  or  XXXX  from   XXXX   XXXX   During that time, I paid as required, until the mortgage crisis caught up with me in  XXXX . I contacted them to try to make arrangements, but they refused to work with me at all. The property securing the HELOC is in a foreclosure lawsuit that originated in  XXXX  of  XXXX , and  Regions  Bank was named as a Defendant and legally noticed at the same time I was.   XXXX   XXXX   did not respond or file any sort of answer into the court case at the time.     More than a year later in  XXXX  of  XXXX ,   XXXX   XXXX   filed an attorney appearance, and then, a month after that in  XXXX  of  XXXX , filed an Answer. In a hearing or status conference with the Court shortly thereafter, I specifically asked the question about the timeliness of   XXXX   XXXX   claim, and the judge indicated that their answer was untimely and they had lost their opportunity to be a part of the current lawsuit. I assumed the matter was closed and    XXXX   XXXX    claim was dismissed.     However, shortly after those events, in  XXXX  of  XXXX , I received a collections letter that appeared to reference the   XXXX   loan, from a company called   XXXX   XXXX    from  XXXX , MA. They indicated that they were now the " owner '' of the loan and demanded payment. I responded to them, disputing their charge, and requesting proof of their " ownership '' and documentation that   XXXX   XXXX   had transferred this loan to them. I received nothing, and heard nothing as a follow-up to my letter.     But in  XXXX  of  XXXX , some  XXXX  years later, I received correspondence from  XXXX ,  XXXX  and  XXXX , LLP from  XXXX , GA. In this letter, they appeared to indicate they were representing   XXXX   XXXX   directly, but due to the history and the purported selling of the loan to   XXXX   XXXX  , I was quite suspicious. I contacted them, disputed their claim and requested proof of such. I have received nothing, but another demand letter that clears up none of the issues I cited in my original letter, and does nothing to establish who they represent, much less who is now claiming I owe them money.     So, on  XXXX   XXXX ,  XXXX , I sent yet another letter to  XXXX ,  XXXX  and  XXXX ,  XXXX , explaining again my suspicions, and requesting again, for them to show proof of who they are representing, as well as proof that whoever they represent has a claim against me and the nature of that claim.     I am informing your agency of this matter in advance, as I suspect I will continue to receive the run-around from this firm, as has been the case in all collections matters in which I have been associated.     I am requesting that you see if you can find out why these people are harassing me, what the nature of their claim is, and strict proof that this loan has not been charged off, dismissed and retired.     I have attached the last letter I sent to  XXXX ,  XXXX  and  XXXX  containing specific dates of all the events outlined above.
Consumer complaint received 2017-06-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: CURO Intermediate Holdings (TX)

On  XXXX   XXXX ,    2017  I saw a charge come through for {$59.00} that was taken by this company called  XXXX   XXXX . They stated that it was for insurance on a card. I informed them that I did not make that purchase and they wanted me to fill out this form and send back the card. I told them how can i do that if i dont have the card. So I went to my prepaid card company and they told me that I would have to send in a letter stating what happened in 10 days. I sent the letter but they stated that they didnt get it. Then I sent it in again and by this time it was after the 10 days so they stated that they wouldnt be able to issue a courtesy credit. They stated that they would just go ahead and dispute with the merchant. So they did and the long wait began. I was told that they gave them until  XXXX   XXXX  to respond and it was only  XXXX . I was very upset because im unemployed and have no other income coming in. I called alot to check on the status and every time i called it was a different story. So i wanted to cancel that dispute and put it in again just to get the courtesy. T his one representative told me that I can do it. SO when it was time for me to cancel the dispu te i was told that i couldnt and that it would be no guarantees that I would get the courtesy. So i told them to just leave it alone. I checked my account  XXXX  and the m oney was there but they took it right back. Its been one thinn g after the next. So  XXXX   XXXX  comes and they tell me to refax the written statement that they originally wanted. And today I was told that the merchant have until  XXXX   XXXX  to respond.
Consumer complaint received 2016-08-18
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: STERLING JEWELERS, INC. (FL)

Jared the Galleria of Jewelry-continuos calls to employer after repeatedly requesting that they not contact me through my employer. Has contacted me XXXX6 times after requesting that the contact me on my cell. Pretending to be my clients in order to get me on the phone. Leaving voicemails on a publicly accessible phone at my company.
Consumer complaint received 2017-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

On   XXXX   XXXX   XXXX   , I r eceived a letter in the post from  Citibank stating that Citibank has closed my credit card due to supposed inactivity. Prior to this letter, I received absolutely no notification whatsoever from Citibank regarding this closure. Citibank automatically closed my credit card on its own at its own will, without even the slightest common courtesy and decency of notifying me well in advance of its action and the steps I ought to take to prevent such action. I logged into my online account. I was able to conduct a chat session there, but the representative could not do anything to remed y the issue at stake. I called   XXXX   , but the  automatic system hung up on me when it could not understand the reason for my call. I then called again. A representative said my account would be under review, and that indeed, absolutely nothing could be done immediately such that I could use my card right away. I would like to add that both  American Express and   XXXX   have  confirmed to me they will never do such an automatic closure without proper advance notification. Shame on  Citibank.
Consumer complaint received 2017-06-11
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

XXXX   XXXX   is retaliating on me cause I reported them on their scams. They fraudulent sent a late payment on my credit report. I not too long ago paid them  XXXX  they know I just started working I need to file a report in them with the feds on their deeds monday. And then it says on my report that my monthly payments are  XXXX  and that 's a lie! I am going to make sure   XXXX   pays for their lies all the time.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Debt Recovery Solutions, LLC (TX)

I 've already filed a complaint with cfpb against debt recovery ...   Debt recovery started that they could delete the accounts they had on file from all  XXXX  credit bureaus.   Debt recovery fail to do so..   Debt recovery has deleted the accounts and added it back to the credit bureaus..   Debt recovery never deleted the account from  XXXX  as  XXXX  stated they never received anything from debt recovery.   On   XXXX   XXXX   XXXX     Debt recovery also added acct #  XXXX  As I stated in the first complaint Debt recovery has NO VALIDATION I never gave them Permission to my personal information.   I mailed Debt recovery solution a letter asking them to validate the accounts.   Debt recovery have deleted the account from  XXXX , but not from  XXXX .  <P/> As cfpb can see that  Debt recovery/ Debt recovery solutions re sponse in the first complaint that they will closed and delete the accounts from all  XXXX  credit bureaus the accounts
Consumer complaint received 2017-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

In   XX/XX/XXXX , i t is alleged by  XXXX  that I made a late payment on my student loans. Whether this is true or not is the matter at hand. What I 'm filing a complaint about today is that after  XXXX  reported this to the credit bureaus, it shows up as  XXXX  delinquent accounts since my student loan was in  XXXX  installments. But this is misleading and inaccurate for the following reasons.  <P/> When  XXXX  sent me emails they said, " my account is ready to be paid. '' Note, it did not say accounts, plural. When I mailed in a check each month, it was paid w ith one check. When I paid the loan off in full in  XX/XX/XXXX , I made one payment with one check to satisfy the remainder of the loan. I made one late  payment, it should be reported as such. A prospective employer, landlord, mortgage provider view me as someone who made  XXXX  late payments. But I 'm not. Fact.  <P/> I tried contacting  XXXX  and the credit bureaus but they ignore me. It is very difficult to get a hold of someone from the credit bureaus. This misleading and inaccurate info on my credit report has hurt me financially. What was once a viable next step in my life of purchasing a home has become a nightmare that likely wo n't happen until all these negative remarks are off my account in the year   XX/XX/XXXX .  I 've been told by landlords my   credit score is too low. When I applied for a personal loan, the interest rate was 32.5 %! Is that even legal?
<P/>
Update : I got an email from a criminal investigato   r with so me organization. I was so excited that someone might be investigating criminal charges against  XXXX , I told all my frie nds. One said be careful, figure out who is contacting you. I  XXXX  it and found this organization i s actually  XXXX ! Why would  XXXX  send a CRIMI NAL investigator to cont act me without saying they are from  XXXX ? More misleading and shady behavior from a corrupt organization. Is there goal to scare and intimidate me? In the last email from this  investigator he says, " we will consider your case closed if you do n't contact us. '' Hahahaha! T his is far from closed  XXXX .
Consumer complaint received 2017-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

In   XX/XX/XXXX , i t is alleged by  XXXX  that I made a late payment on my student loans. Whether this is true or not is the matter at hand. What I 'm filing a complaint about today is that after  XXXX  reported this to the credit bureaus, it shows up as  XXXX  delinquent accounts since my student loan was in  XXXX  installments. But this is misleading and inaccurate for the following reasons.  <P/> When  XXXX  sent me emails they said, " my account is ready to be paid. '' Note, it did not say accounts, plural. When I mailed in a check each month, it was paid with  one check. When I paid the loan off in full in  XX/XX/XXXX , I made one payment with one check to satisfy the remainder of the loan. I made one late pa yment, it should be reported as such. A prospective employer, landlord, mortgage provider view me as someone who made  XXXX  late payments. But I 'm not. Fact.  <P/> I tried contacting  XXXX  and the credit bureaus but they ignore me. It is very difficult to get a hold of someone from the credit bureaus. This misleading and inaccurate info on my credit report has hurt me financially. What was once a viable next step in my life of purchasing a home has become a nightmare that likely wo n't happen until all these negative remarks are off my account in the year   XX/XX/XXXX  . I 've been told by landlords my credit score is too low. When I applied for a personal loan, the interest rate was 32.5 %! Is that even legal?  <P/> Update : I got an email from a crimin al investigator with some  organization. I was so excited that someone might be investigating criminal charges against  XXXX , I told all my friends.  One said be careful, figure out wh o is contacting you. I   XXXX    it and found this organization is actually  XXXX ! Why would  XXXX  send a CRIMINAL  XXXX  nvestigator to contac t me without saying they are from  XXXX ? More misleading and shady behavior from a corrupt organization. Is there goal to scare and intimidate me? In the last email from this  investigator he says, " we will consider your case closed if you do n't contact us. '' Hahahaha! This  is far from closed  XXXX .
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am disputing the accuracy of the XXXX XXXX account XXXX as reported on my credit file. Upon reviewing this accounts reporting across the three credit bureaus, I found severe compliance violations under Metro 2 standards. Due to these ongoing issues, I am formally requesting the immediate deletion of this account from my credit report. 1.Inconsistent Payment Status : XXXX and TransUnion both report this account as XXXX, while XXXX states, Merchandise was taken back by credit grantor ; there may be a balance due. Such inconsistent terminology across the bureaus fails to meet Metro 2 standards, which require uniformity in the reporting of account status. This inconsistency warrants deletion if XXXX XXXX can not verify and align the status across all bureaus. 2.Conflicting Worst Delinquency : XXXX lists XXXX as the worst delinquency, TransUnion shows XXXX data, and XXXX reports Foreclosure. The significant discrepancies between these entries highlight non-compliance with Metro 2 standards, which mandate consistency. This failure compromises the integrity of this accounts reporting, and I demand its deletion if the data can not be rectified. 
3.Discrepancies in Last Updated Dates : The last updated date differs across bureaus : XXXX and TransUnion list XX/XX/year>, while XXXX lists XX/XX/year>. An inability to provide a consistent last updated date indicates poor data management and further supports my request for deletion due to lack of accuracy.4. Erroneous 2-Year Payment History : The payment history contains erratic reporting, with multiple months marked as Foreclosure ( FC ), 90 days late, and Not Reported ( NR ). Such inconsistencies across bureaus reflect a lack of compliance with Metro 2 standards, which require a standardized reporting of payment history. This unreliability in reporting only underscores my demand for deletion. 5. Inconsistent Reporting of Derogatory Events : The record of derogatory events, such as 30, 60, and 90-day late payments, is conflicting across the bureaus. XXXX lists multiple delinquent events, while TransUnion shows minimal information, and XXXX data is incomplete. The lack of uniformity directly violates Metro 2 standards, rendering this account inaccurate and unverifiable.
Consumer complaint received 2017-06-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

USAA charged me over {$400.00} in NSF FEES!!! What sense does it make to charge me a FEE for not having enough money to allow a charge ( that the bank DECLINE D ) go through ??? All this unfair and unethical treatment ( which is equal to STEALING from me, and should be illegal ) did was put me DEEPER IN THE HOLE and cause me additional financial hardship.
Consumer complaint received 2017-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (MD)

on  XXXX    XXXX   Navy Federal Credit Union  withdrew  {$590.00} from my checking account unlawfully. These funds were protected funds from Social Security. at the time i only had 2 months of protected funds available in my account
Consumer complaint received 2017-06-12
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (GA)

In  XXXX    XXXX   I visited the  Branch of PNC b ank in  XXXX  to close my accounts. Supposedly everything was done. About a month later, I started getting notice of fees charged. Went to the  XXXX   XXXX , and they initially refused to close the account. Until I stated that I refused to leave, and they would have to get the police to make a report and remove me, the manager supposedly agreed to close all the accounts, refunded the fees, and gave me a handwritten letter confirming all accounts were closed. I still am receiving bank statements as if the saving accounts are open. Basically, they are refusing to close the account.
Consumer complaint received 2017-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I made several attempts to obtain my credit report thru XXXX XXXX XXXX but I was unable to get 2 of my reports XXXX and Transunion. My conformation number for XXXX is XXXX report date was X/XX/2017 XXXX XXXX XXXX address. XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2017-06-11
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: ERC (TX)

XXXX   XXXX   XXXX  has sent me to collections for {$190.00}. The hit to my credit report was placed in  XXXX   2017  for {$190.00}. That collection account is also tied to an address that I have never lived at in a city that I have n't lived in for over 20 years. It is erroneous and needs to be removed from all credit reporting agencies.
Consumer complaint received 2017-06-10
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: Experian Information Solutions Inc. (SC)

In  XXXX   XXXX , I was  XXXX  and in search of new car. I went to   XXXX   XXXX     XXXX  in  XXXX , SC and spoke with a gentleman with the last name of  XXXX . We came to an agreement on the car that I wanted and we were negotiating the price, I filled out an application but told him that I would not give it to him to run until we get the car prize down. He wrote down an offer and took it to his superiors to finalize. His superiors ran my credit and reneged on the offer that they intitally gave and that  XXXX  offered. I left the delearship with no car and about  XXXX  hard inquiries on my credit. He intitally told me that when we come to an agreement and he runs my credit, it would only result in  XXXX  inquiries. I bought the agreed upon car for the agreed upon price in  XXXX   XXXX  at another delearship. I filed complaints about what happened, but no one has been able to help me. I have no recourse to get these hard inquiries off of my credit and  XXXX   XXXX  is probably still doing shady practices to unsuspecting consumers.
Consumer complaint received 2017-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In  XXXX   XXXX , I was   XXXX   and in search of new car. I went to   XXXX   XXXX     XXXX  in  XXXX , SC and spoke with a gentleman with the last name of  XXXX . We came to an agreement on the car that I wanted and we were negotiating the price, I filled out an application but told him that I would not give it to him to run until we get the car prize down. He wrote down an offer and took it to his superiors to finalize. His superiors ran my credit and reneged on the offer that they intitally gave and that  XXXX  offered. I left the delearship with no car and about  XXXX  hard inquiries on my credit. He intitally told me that when we come to an agreement and he runs my credit, it would only result in  XXXX  inquiries. I bought the agreed upon car for the agreed upon price in  XXXX   XXXX  at another delearship. I filed complaints about what happened, but no one has been able to help me. I have no recourse to get these hard inquiries off of my credit and  XXXX   XXXX  is probably still doing shady practices to unsuspecting consumers.