davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (GA)

I was a tenant of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX in good standing - clean record in paying my rent on time and gave proper notice when I moved out & didnt renew my lease. Approximately 3-4 weeks after I moved out on XX/XX/year>, I received an invoice of extorted move out charges of {$800.00} and in following up to understand what and where these charges were coming from, I was ghosted by the management team after multiple reach out attempts. In reading the propertys reviews, it seemed I wasnt alone in never being able to hear back from management, let alone ever have someone from the leasing office ever pick up the phone or speak to me about my concerns. After constant follow up & persistence, MONTHS LATER ( XX/XX/year> ) I was able to get on a call with the Senior Property Manager of the complex to discuss these random charges. On our call, the XXXX agreed to remove all the charges and send an email to confirm receipt of this, which I never received. Additionally, the XXXX ensured me she would be notifying the XXXX billing team to remove the charges from my account. Then out of nowhere, I all of the sudden notice a few weeks later on my credit report that I have a collection from XXXX XXXX XXXX. Mind you, I had to just find this out by pulling my credit karma as Ive also never received any physical mail and/or email from collections on this. Also to add, I never got back my {$200.00} security deposit from the complex ( which is a whole other situation ). I would appreciate your help in getting this collection removed, as it is negatively impacting my credit score and simply unjust of this rental complex to extort me of funds as they have done by sending me to collections.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This investigation has taken longer than 30 days and according to 15 U.S. Code 1681i, inaccurate, incomplete, and unverifiable information should be deleted and removed from the consumer file immediately. 

I am also including my prior CFPB claim.
Consumer complaint received 2018-05-22
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: Experian Information Solutions Inc. (FL)

To whom it may concern I would like to make this brief. I have contacted XXXX, Experian, and XXXX on several occasions by certified mail, phone call, fax, and online. It seems to me that this is becoming more of a fairy tale joke to you and no one has responded. I contacted each creditor but no one was able to confirm that the fraudulent accounts and inquiries are mine. They havent not yet provided me with any proof of an original document showing my signature. By law with in the FCRA 609 it must me removed immediately. It has been more than 90 days for this investigation and my results were deleted online and Im sure it was done because I called in to mention that I have record and recorded every call, I made copies of all court documents and I definitely had a run in with you guys a few years back to due to lack of providing proof of evidence on how inaccurate information was placed on my report. It seems that this is the same situation. I am fed up and this will result in a court room. I will allow the judge to make the decision because I have had previous problems with you guys.
Consumer complaint received 2018-03-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RGS Financial, Inc. (TX)

I sent notification to this debt collector to verify that this debt was indeed mine. They sent a billing statement. Per FDCPA that does not constitute as verification or validation. First letter was sent off on XX/XX/XXXX. Second letter was sent off on XX/XX/XXXX after they sent me a billing statement. In both letters I requested validation and to date, no method of validation has been received. Attached is my request for validation and the methods in which the debt should be validated per FDCPA. They instead sent me a billing item. This does NOT constitute the validation request that I made.
Consumer complaint received 2018-03-07
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (FL)

AMERICAN HONDA FINANCE View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Auto Loan Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid, was past due 30 days two or three times Status Updated XX/XX/XXXX Usage - Balance - Balance Updated XX/XX/XXXX Original Balance {$19000.00} Monthly Payment - Past Due Amount - Highest Balance - Terms 72 Months Responsibility Joint Account Your Statement **CONSUMER STATEMENT** CO-SIGNED FOR THIS ACCOUNT. I WAS NOT ADVISED OF THE NON-PAYMENT OF THIS ACCOUNT. 
Comments - Contact Information XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2020-07-07
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: CITIBANK, N.A. (IA)

I have 3 late payments that have shown up on my XXXX credit report for Citbank/CBNA. After many hours of attempting to contact Citibank ( roughly 6 hours over the course of 2 months on the phone ). No one can find my account-I am glad to pay if this is accurate, but no one at Citibank is able to find my account by SS #, name, DOB or  phone number. The only information contained in the credit report is the first 6 numbers of the account and that I am now past due {$120.00}. I have disputed this 2x with XXXX and both times have come back stating that this is a legitimate past due acct. The dates of the disputes are XX/XX/2020 and XX/XX/2020. Today XX/XX/2020 I was on the phone with Citicards for 2 hours and I was hung up on twice and transferred 4 times and still no one can find this account. This is just one example of the amount of time I have invested in trying to get this resolved.
Consumer complaint received 2018-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I have a personal loan with XXXX XXXX that is reporting ( 2 ) 30 day lates, in XXXX and XXXX of 2017. They fixed this same reporting mistake on my XXXX report twice and now is showing up late on XXXX  and Equifax.
Consumer complaint received 2024-09-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CREDIT ACCEPTANCE CORPORATION (CA)

Credit Acceptance is a predatory loan company. They did not disclose that there would be a {$2000.00} financing fee for the vehicle and falsely promised a {$5000.00} rebate for buying an electric car.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My credit report is showing both a dismissed XXXX  XXXX Bankruptcy and a discharged XXXX  XXXX Bankruptcy. I have disputed these items several times over the last 9 months but the bureaus continue to respond ITEM VERIFIED to the disputes I've submitted. This is extremely confusing to me because the Bankruptcy court respond to my inquiry to them by stating that they do not report or verify any information to or with the credit bureaus. When receiving notification from the credit bureaus that they verified the information electronically via XXXX XXXX I contacted them. They sent me a notice stating that the information was removed and recommended that I contact XXXX, XXXX and TransUnion to inform them. Nevertheless, with the courts stating that they do not provide any information publicly that includes my social security number or other personal information, I don't understand how the bureaus are claiming that they verified the information. This is a direct violation of the FCRA and must be addressed. These inaccurate and unverifiable public records must be removed from my reports immediately as they are extremely damaging to my file and my well being.
Consumer complaint received 2018-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (KS)

I received a letter addressed to me about an unpaid fine relating to a felony conviction in Florida in 2002. This bill is not mine. I called the company from my work phone and told them I am not the person they are looking for. The woman on the phone apologized and said she would remove my name from the system. Two days later I received a phone call at work from the company requesting payment for the bill. I spoke to a different woman this time and I asked why I was receiving the call ; she said the woman I spoke to earlier had removed my address from their system but not my telephone number. Since they called him on my work phone, the first woman I spoke with entered my work telephone number in their system. I asked them to remove my telephone number from their system. The woman asked me for my date of birth and I refused ; I will not give out my date of birth to a stranger on the phone. I offered to provide the ID number from the bill I received ( as this was sufficient for the first woman I spoke with ), but the second woman said she needs my date of birth. I asked the woman to tell me the date of birth they have on record for this bill and I would confirm or deny that the date of birth on record was mine. She said *it doesn't work that way* and I need to provide my date of birth. I told her this is not my bill and I would not provide my date of birth. She said they would continue to pursue payment of this bill and I need to contact a lawyer for legal advice.
Consumer complaint received 2018-03-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (DE)

On XX/XX/XXXX, I communicated with my Loan Officer,  XXXX XXXX of Caliber Home Loans. 
We talked about locking the rate for the loan and we both agreed to lock it for 45 days at 4/05 % and I requested a lock rate confirmation from him. 
I did not get any lock confirmation from him so I called him several times and he did not answer the calls. I emailed him again on XX/XX/XXXX asking for my rate lock. He finally answered my phone calls and said he was just busy and he would send the lock confirmation. 
A few days later, I get some disclosure documents from him showing that my rate was locked at 4.05 % but on a 30 day lock. In effect he gambled on my rate and waited more than 2 weeks to lock my loan. 
What XXXX did was dishonest, unethical, irresponsible and dangerous. I think it is also ILLEGAL. A shorter rate lock period is cheaper than a longer rate lock period. If we had locked the lock on XX/XX/XXXX for 30 days I could have gotten 4 % or better. On the other hand with today 's volatility, if he had waited a week or two more, I could have lost the rate we agreed on and we would be talking of a much higher rate I have emailed his bosses but have not received a reply from them. 
This kind of practice should not be tolerated and XXXX XXXX should be held accountable for his actions. 
I would appreciate your prompt action on this matter. 
Thank You XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (CT)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2024-09-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC (GA)

it started with XXXX charging me double for insurance coverage to the tune of {$6000.00} and i'm yet to receive refund. I called them months ago and they realized the error of over 2 years of overpayment of my insurance. They advised me I would receive a refund that was months ago. Instead of giving me a refund they have increased my mortgae amount to XXXX of my origival mortgage payment amount. Additionally, I went to pay my mortgage and the amount has increased from {$1400.00} to {$2300.00} per month due to this double charge. when I called to inquire about the drastic increaseI was told that my case was with corporate and that someone would reach out to me. Customer service also told me that they couldn't help me because of the fact that my case was with corporate. That has been weeks and no one has reached out to me and I know they will be charging me a late fee and I don't agree with that. They have also consistently charged me late fees even though their website prevents me from making a payment. I'm now at risk of losing my house due to the unfair and illegal practices of this company and nothing is being done about it. I need a resolution. They have been overcharging me for 2 years and im yet to receive a resolution and this is causing undue stress and hardship
Consumer complaint received 2021-06-18
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Revco Management, LLC (FL)

On XX/XX/2020 I had a XXXXXXXX XXXX pursuant to an XXXX follow up that my doctor informed me that he saw something light up on my XXXX. Not to mention that I already know about a XXXX XXXX that I have. The XXXXXXXX XXXX was completely unnecessary, and I found out it was the same XXXX I knew about. I explained this to XXXX XXXX and they agreed, but my bill had already gone into collections even though I was told to fax a letter to XXXX XXXX, which I did. On XX/XX/XXXX, XXXX ( XXXX ) called me quite early in the morning and was very rude and nasty. I was extremely upset with her tone and badgering. I don't feel it is acceptable to speak to another person that way especially when you are calling about a scan that not only was unnecessary, but led me to believe that I might have XXXX XXXX.
Consumer complaint received 2018-03-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capital Accounts, LLC (TN)

My son attended childcare in XXXX. I have a past due amount, which at the time I did not know the exact amount. My son started XXXX that XXXX. I never received a bill or phone call, voicemail or email. Moving forward, XX/XX/XXXX I received a call from Capital Accounts. The representative told me that I had an outstanding balance of {$1200.00}. She told me that it was already put on my credit??!! I told her that I was aware of a balance but not to that degree and that I never heard anything from the school about my balance. I contacted the school and she said that they sent out notices to my address. I let her know that I didn't receive them. I moved from my residence in XX/XX/XXXX and put in a forwarding address. I can contact the USPS to get proof that I moved from that address. She also sent me a ledger of the correct amount. I asked her if I could pay them instead of dealing with Capital Accounts she said unless it was in full, I could not make any payment arrangements through them. I checked my credit score and it was a negative collection mark on there from ( CA ), the account was open in XX/XX/XXXX. That negative mark brought my score down 40+ points. I wasn't giving a warning or any type of reason behind it. I feel that I have been robbed of my innocence. It should be illegal to put a collection on someone's credit before speaking to them. Not just attempting to call them or mailing a supposed letter. I spoke with a representative from Capital Accounts yesterday and told him that they did not have the right to put that on my credit without giving me a chance to attempt to pay the debt. I have not lived at my old address since XXXX, and the rest of my bills were forwarded or sent back to the sender. After the phone call in XXXX I only received harassing phone calls. They have not mailed me a statement to this day. I had to beg the creditor to send me a email proving that it was a ligament company. I received a email Thursday XX/XX/XXXX, TWO months after speaking to the representative.
Consumer complaint received 2024-09-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION (FL)

I previously filed a complaint regarding significant difficulty paying my car loan off. Ultimately, with assistance from a prior CFPB complaint, I was able to pay this loan off. However, in my communications with XXXX XXXX at Truist, I was told that I would receive an interest credit of about XXXX dollars due to delays from Truist in allowing me to pay this loan off. I agreed with the plan and asked that it be put in motion. I received a check for over XXXX dollars but am still missing nearly XXXX dollars. I was told that I would be receiving this second check soon about XXXX weeks ago. I have reached out to XXXX at least XXXX times and she has made no effort to call me back or contact me in any way, therefore my last measure to resolve this issue is to file this complaint.
Consumer complaint received 2024-09-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (AL)

I received a debt collection notice from RESURGENT CAPITAL SERVICES. The debt is supposedly for XXXX XXXX XXXX never had an account there. this is identity theft. Please see the official government identity theft document and all parties listed on the debt collection letter was included in this report. 

Please note for the record that i sent in the form and checked the box stated this is NOT my debt.
Consumer complaint received 2022-07-22
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: EQUIFAX, INC. (AL)

I lost wallet which had ID and Social Security Number. My identity was stolen and there a fraudulent accounts on my credit report that needs to be removed. The fraudulent accounts are listed as follows : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-09-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (MI)

Hi I am filing a complaint against Discover Card for constantly failing to provide proper documentation for an account that is result of identify theft that has taken a negative affect on my credit profile and finances. They have been in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I requested proof of the account, including a signed application and relevant details from the time of open to current, but Discover has not provided any application or complete paperwork. 

The account is reported as opened in XXXX, but Discover has only provided account statements from XXXX onward. I have also sent an FTC affidavit and personal information showing that this account is misleading and inaccurately reported. 

Additionally, Discover is incorrectly reporting this account as charged off every month since XXXX, which constitutes inaccurate reporting under the FCRA.15 U.S.C . 1681c limits the reporting of charge-offs, and this continued monthly reporting violates my rights as a consumer. Each dispute they only add notes. 

I request that this account be removed within 4 days as well as compensation for the violations or I plan to pursue legal action. 

I have attached the letter from Discover for your reference. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Paypal Holdings, Inc (AR)

XX/XX/year> Dear PayPal Support, I am reaching out regarding my account, which has been banned due to allegations of selling XXXX oriented materials. I have provided proof of fulfillment and relevant documents about my transactions and business. Despite my attempts to contact you via email for a review and call, I have not received any response. This situation is a significant error, and I am prepared to submit additional documentation to prove that I have not violated your policies. I kindly request your urgent attention to this matter. 

Reference ID : XXXX Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.