davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-30
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: Santander Consumer USA Holdings Inc. (MD)

I already reported that Santander XXXX reported me as being charged off for XXXX dollar because of fees that they charged me after my car was paid off. The problem is that they told me three times that they would take monthly payments and that I would be be in good standing. It's on their chat talk web site that they said I could make monthly payments on these " rip off '' charges and that my pay off would be without consequence with these monthly payments. When I called them ( several times ) they admitted that this was said by them. They then said that they told me the opposite on their web site also. What confusion! 

I paid three times what the car was worth, Paid off the car. Then I was put on recored as my loan being charged off when their fees are paid. I should have never been reported as being 90 plus days late on this account. I also should have never been reported as being charged off for XXXX dollar.
Consumer complaint received 2018-12-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTIONS UNLIMITED OF TEXAS INC (TX)

On XX/XX/XXXX I checked my credit report because I was alerted that a collection had been placed on my XXXX credit report. The report stated that an alleged debt of {$82.00} was placed in collections on XX/XX/XXXX by XXXX XXXX. The alleged debt was reported ti my credit on XX/XX/XXXX. Prior to the debt being placed on my credit I was never informed about the collection in question nor were any efforts made to contact me to resolve said debt. Upon finding out about the alert on my credit I also reached out to the debt collector via email asking for them to provide me with verification that the debt in question was truly mine. Since I am a victim of identity theft I felt like this was my right under the Consumer Protection Act and Fair Trade Commission. 

809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

None of which have been provided or done by the Collection agency. Also upon doing more research. I found that, Not only was I not contacted by the creditor or the third party agency for the alleged debt but they are in direct violation of the Texas Finance Code 392.101 which prohibits a third-party debt collector or credit bureau from engaging in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filled a copy of the bond with the Secretary of State. Collections Unlimited directly violated this law.

Due to the negligence of this business my credibility, reputation and credit score has been scorned.
Consumer complaint received 2018-11-30
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I applied for a loan modification on my student loans before I go into graduate school, I was denied due to serious credit risk, over limit on credit card, and adverse action. I reviewed my credit report and found these 2 Capital One accounts ( which I have never had any association with Capital One bank or credit ).

I filed a police report, once finished the officer gave me the website of the FTC to file a federal report there.
Consumer complaint received 2018-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (AZ)

Received Citi Cards ( Master Card ) bill for XXXX with purchases made in XXXX XXXX XX/XX/XXXX for $ XXXX not by us. Resolved! XX/XX/XXXX XXXX XXXX & XXXX XXXX TX for {$65.00}, UNRESOLVED!! After several calls to Citi Cards Customer Service XXXX. Phone calls were bounced all over U.S. Finally wife got someone she could not understand because of accent. Their response was I transfer you to someone in U.S. Received letter from Citi ( R ) Cards dated XX/XX/XXXX and received XX/XX/XXXX stating their Investigation was over and we will now be billed for {$65.00}. The following info provided for you. Invoice # XXXX, XX/XX/XXXX Shipped Standard Ground, Waybill # XXXX. Tried tracking on Internet and got no where. Second item at XXXX for same date for {$32.00} Invoice # XXXX, XX/XX/XXXX Standard Ground, Waybill # XXXX. Haven't been billed yet. These look like XXXX games. Citi Cards was sent all required info they requested and authorization not to pay XXXX XXXX and XXXX from us. No XXXX Games were ever received by us as we did not ORDER!
Consumer complaint received 2018-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : CAPITAL ONE BANK USA Account Number : XXXX Date : XX/XX/2015 Amount : {$2500.00}
Consumer complaint received 2018-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Innovis (MS)

I have been disputing with XXXX XXXX for over a year. Ive filed disputes with XXXX, XXXX, XXXX and XXXX XXXX. XXXX deleted XXXX a inaccurate accounts all together but XXXX is still reporting late payments on my credit files with XXXX and XXXX. They are reporting a 90 day late payment in XX/XX/2017 and reporting a 120 late payment in XX/XX/2017 but in XX/XX/2017, XXXX is reporting that the account was paid on time. How is it possible that in XX/XX/2017, the account was in good standing showing paid on time and suddenly ONE month later in XX/XX/2017, the account was reported 90 days late. Thats not accurate at all especially since my account was in forbearance. This error shows the negligence of XXXX, XXXX   and XXXX XXXX. I sent requests for correction to XXXX and they denied it and I disputed with XXXX  and XXXX and they both keep saying its correct. This error couldve been caught earlier on if a person did a thorough scan of the account but instead, Ive had to endure credit rejections for over a year due to these inaccurate late payments.
Consumer complaint received 2018-12-01
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: CITIBANK, N.A. (CA)

On XX/XX/XXXX, I reported my card lost between XXXX -XXXXXXXX PTS and was told I would receive a new card in 7 business days, About two weeks went by and contacted customer service and was told to wait 7 more business days and dont know why it was never shipped, a week later still no card I called and was told it would be shipped and received within two business days, called again today XX/XX/2018 and was told I wasnt notified about the card delay on a problem on their side and was shipped regular mail. This 3rd attempt didnt acknowledge my past contacts and just kept telling me to wait till next week after having to make an phone appointment with the manager and compicated {$10.00} credit.
Consumer complaint received 2018-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have been disputing with XXXX XXXX for over a year. Ive filed disputes with XXXX, XXXX, Transunion and XXXX XXXX. XXXX deleted XXXX a inaccurate accounts all together but XXXX is still reporting late payments on my credit files with Transunion and XXXX. They are reporting a 90 day late payment in XX/XX/2017 and reporting a 120 late payment in XX/XX/2017 but in XX/XX/2017, XXXX is reporting that the account was paid on time. How is it possible that in XX/XX/2017, the account was in good standing showing paid on time and suddenly ONE month later in XX/XX/2017, the account was reported 90 days late. Thats not accurate at all especially since my account was in forbearance. This error shows the negligence of XXXX, Transunion and XXXX XXXX. I sent requests for correction to XXXX and they denied it and I disputed with XXXX  and Transunion and they both keep saying its correct. This error couldve been caught earlier on if a person did a thorough scan of the account but instead, Ive had to endure credit rejections for over a year due to these inaccurate late payments.
Consumer complaint received 2018-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX Bank of America sent me an unsolicited credit card with a credit limit of {$5000.00}, based on my credit score of XXXX.I also received a letter dated XX/XX/XXXX stating I was approved. I accepted the credit offer, and on XX/XX/XXXX, I made a purchase to my card for {$4400.00}. The following month XX/XX/XXXX I attempted to make an additional charge for {$500.00} and was declined because the bank said my account was closed. 
Meanwhile, I called Bank of America because I was unable to initiate on-line sign-in so I could make payments on line. A representative named XXXX helped me sign in, gave me some valuable information on how to take advantage of cash rewards, points at the pump, XXXX XXXX XXXX, etc. Subsequently, Bank of America sent me a letter stating they did a review of my account and decided to close the account ; The letter was back-dated to XX/XX/XXXX, but I received the letter after XX/XX/XXXX. I was placed on E-statements without my approval, and when I finally received a paper statement in the mail, the statement said my account was placed on restriction. I called Bank of America several times for explanation, and every representative I spoke with said my account was reported as a " FRAUD ''. Bank of America never tried to contact me to investigate the nature of my credit ; they never told me about a restriction, and I never authorized them to check my credit files, after I received the approval letter. Bank of America will not allow me to make charges to my card because they closed the account based on incorrect information that my account is " FRAUD ''. I made all monthly payments on time, and the account has a XXXX balance.
Consumer complaint received 2018-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (NJ)

My first call to them was on XX/XX/XXXX about where my bonus was from opening the checking account with them. The nice lady told me that I met all the guidelines for getting the bonus and I should have the bonus at the end of XXXX when my 3rd statement comes in. She told me that if I dont get it by the end of XXXX to call back. 
I called back on XX/XX/XXXX and let the rep know that I still have not received by bonus for opening the checking account. 
She kept me on hold while she did her research. Comes back to give me some canned response saying they have to research and it can take up to 30-60 days to conduct the investigation! 
It is now the XXXX. No bonus that was promised and no call or anything from PNC. 
They need to give me my bonus for opening the account.
Consumer complaint received 2018-12-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC (WA)

in 2016 I contacted XXXX communications directly. They agreed to remove the debt from my credit due to faulty and improper information. I have a correspondence dated XXXX to XXXX and XXXX XXXX XXXX. They removed the debt from my credit and stopped mailing letters and correspondence. 

Now I receive a new collection, listed upon my stellar credit with the same amount and under a new collection company. Waypoint Resource Group out of XXXX XXXX Texas. 

I have a nasty gram letter I have written to them as well penned today XXXX. 

This was already removed by XXXX Once it is to stay removed!!!! Period!!!
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. The items in dispute are as follows : Current Address ( es ) : XX/XX/XXXXXXXX
Consumer complaint received 2018-02-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MD)

I sent a letter to Transworld Systems Inc requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They have not responded to my request. I have attached supporting documentation. They have reported delinquent information to the three credit bureaus that I am asking to be deleted.
Consumer complaint received 2022-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO

WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.
I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-12-01
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: U.S. BANCORP (TN)

On XX/XX/XXXX, I received a letter on explanation from XXXX   XXXX XXXX XXXX/ aka XXXX XXXX XXXX. 

This agency stated they assigned the servicing of my loan to XXXX XXXX   XXXX XXXX.As I've mentioned on several occasions, I wasn't notified of the transfer. By XXXX XXXX XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX XXXX XXXX, within the fifteen day time frame. 

I was under wage wager in XXXX and discharged in XXXX. The courts wasn't neither. Your bank sent me XXXX statements in from XXXX, yet taxes on the property at XXXX XXXX XXXX XXXX TN XXXX. 

I've pulled all of my court records to learn that someone has created a Federal Identification number using my personal information. My history was being deleted / malipulated with. 

You never mailed me the transfer on XX/XX/XXXX. I just learned of these transferred in XXXX, after filing complaints to CFPB. On XX/XX/XXXX my loan was with XXXX XXXX XXXX. In XXXX XXXX XXXX XXXX  sent me a copy of my XXXX XXXX XXXXXXXX. XXXX interest Statements also includes my home owners insurance with. XXXX and XXXX XXXX. 

When I filed bankruptcy in XXXX, I didn't realize that I was filling against XXXX XXXX XXXX XXXX. Until XXXX, when I pulled my bankruptcy court records.. 

XXXX XXXX XXXX XXXX doesn't seem to have been aware of XXXX XXXX XXXX. XXXX XXXX XXXX used the same loan number and three different Federal Identification numbers. I have print out on payment made to them in XXXX towards XXXX. 

I have copies of the claims filed with XXXX. XXXX, water damage, XXXX-my home was broken into, once I learned I was a victim of identity theft. XX/XX/XXXX. There was never any mention of XXXX XXXX XXXX XXXX. The policy number is XXXX. 

Someone name XXXX XXXX was listed on my property long before XXXX, when the property was forclosed on. The courts have a tax ID number on my resume as I've mentioned. If you need me to mail information, please give me a contract. It's as though you were mailing my information to XXXX XXXX XXXX XXXX, rather than to me.
Consumer complaint received 2018-11-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Applied Resolutions Group (CA)

Calls non stop starting from XX/XX/XXXX to XX/XX/XXXX with multiple calls to my employer after I told him on XX/XX/XXXX to stop calling me and my employer. I stated " You can stop debt collectors from calling you at work fairly easily. Simply tell the debt collector that your employer doesn't want them calling your job or that you're not allowed to receive personal calls at work and they are legally required to stop calling you. " He then proceeded to call me back and left the following voice message which I have saved. 

" XXXX XXXX, XXXX, contact XXXX in your human resources department, she will give you a update, good luck to you '' Call comes from :XXXX File Number XXXX Sounds like a XXXX XXXX. I have voice messages saved. 


Email received from employer : From : XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : Heads Up Hi XXXX Just a heads up Applied Resolutions Group left me a vm regarding a XXXX XXXX XXXX I looked them up and they are shady. 
I didnt get a name, but the number he called from was XXXX. 

http : XXXX https : //complaintsdatabase.com/complaints/index/Applied+Resolutions+Group I dont intend to call them back, but I do recommend telling them that you can not accept these calls to call the office. 

You can stop debt collectors from calling you at work fairly easily. Simply tell the debt collector that your employer doesn't want them calling your job or that you're not allowed to receive personal calls at work and they are legally required to stop calling you. 

For me Your employer can not legally refuse verification of employment status to a creditor. However, they are not required to include any additional information beyond your job status, location of employment, and current insurance benefits XXXX if your debt is medical in nature ). 





Thank you, XXXX XXXX Ph : XXXX XXXX Fax : XXXX XXXX
Consumer complaint received 2018-02-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (CO)

I called PNC Bank on at least three occasions to inquire as to whether I could have the escrow removed from my mortgage. Each time I called, I was told that it would be no problem and that I simply needed to pay the items currently escrowed, property insurance and property taxes, and provide proof that the items were paid in full along with a written request to remove the escrow requirement. As such, in early XX/XX/XXXX I purchased and paid in full an insurance policy along with paying my XX/XX/XXXX taxes, which are payable in XX/XX/XXXX, in full. Immediately after, I sent an email to PNC per the instructions from the customer service representatives that I spoke to, including statements and receipts for the property insurance and tax payments. I was initially given the wrong email address, so I did not get a timely response and called to inquire, when I was given a different email address. I resubmitted the request and supporting documentation and received a reply about a week later denying my request. The reason for the denial were that my loan to value ratio exceeded 80 % and I had an active mortgage insurance policy on the loan. 

At no time was I told that my request to remove escrow was contingent on anything. Each of the three representatives that I spoke to assured me that I only needed to submit the request with evidence that the tax and insurance had been fully paid. As a result of those phone calls, I made the decision to pay those items in advance. This decision was made with consideration of my budget and the impact that a lower monthly payment and refund of funds currently in escrow would have. In other words, I was planning to pay for these items with the escrow funds that would be returned to me and the money saved each month. 

I have appealed this denial through the Chief Customer Officer at PNC, XXXX XXXX. She delegated the appeal to XXXX XXXX. I have voiced my concerns with XXXX XXXX, however her position is that due to the LTV and mortgage insurance issues they will not do anything about the erroneous information I received. She told me she listened to one of the three calls I made and admitted that the response was ambiguous. She stated she was unable to locate the other two calls. 

I would not have purchased this policy or prepaid my taxes if I knew there were a chance that I could not remove the escrow requirement ; there is no reason to outlay those funds twice. I believe it's clear from my actions that I was told the process to remove the escrow and that there would be no issue with the request. Why would I be told to submit evidence of payment if there were a chance it would be denied?