davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-10
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated (FL)

I have been trying to receive back child support for years. Since  XXXX  I constantly checked my Eppicard and the balance was  XXXX  cents for years. On  XXXX   XXXX  I received an  XXXX   XXXX  card with child support on it and I found this strange so I went to Child Support Enforcement and went to the Clerk of Courts and received an audit that stated my child support was being paid all along. When I got home that day  I call ed Eppicard and was told I was issued  XXXX  cards and over  XXXX  was deposited since  XXXX . My card still stated the  XXXX  cents. I was told I must of spent the money and forgot, I ordered  XXXX  cards in four years and funny I still have the original since child support transitioned to debit card.  XXXX   XXXX  I was issued a new card cause I started an investigation with there fraud dept and the new card issued is one of the numbers on transactions from  XXXX ??? Then the other transactions that I never made were on a different card. On the statements there are large deposits made then withdrawled by who?? Not me cause I was still going to the courts, writing letters till  XXXX . What brings me to you is Eppicard stated they closed the case cause I did not file fraudulent charges in a timely fashion and how could I do that when my card still stated  XXXX  cents. They sent me transaction statements  XXXX   XXXX  and I followed all the proper procedures and still told case closed. My daughter and I were robbed of  XXXX  dollars and no accountability is being taken. I reviewed  XXXX  cases of the exact same situations from other Eppicard holders. I 've contacted an Attorney but they want a  XXXX  down and went to the courthouse but modifications ca n't be made cause money was deposited and applied to the Eppicard. The entire responsibility is on Eppicard for mishandling what is due me and hundreds of others. I need help recovering what is due me. I asked Eppicard fraud dept to investigate, get signatures and match to mine, get video where withdrawals were made anything they said case closed! Please, any assistance would be appreciated.
Consumer complaint received 2017-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

I paid my  XXXX  bill on time. The escrow in the account was just re-evaluated and I sent in the incorrect amount. I paid {$820.00} when I should have paid {$870.00}. This is totally my fault that I did not put the entire amount correct due to the escrow change.   My contention is that the mortgage was paid the other amount goes into an escrow account until needed.   They sent information to the credit companies stating that I did not make a payment. I clearly made a payment but I have been treated as if I had paid nothing. This was clearly a mistake on my part. The problem is being treated as if I did not even attempt to make a payment. As a result, m y credit score  has dropped by  XXXX  points.  <P/> I have asked that they send a retraction to the credit companies and they will not do so.  <P/> I do not know if this is a federal regulation or if this is company  policy from my Ditech my mortgage company.    I need more help than just a supervisor saying no we did not receive the entire amount and I ca n't help.   I work hard to impro  ve my credit score and this has destroyed it from a very good score down to a average score.
I do not have the choice to p  ay my taxes and insurance on my own, and do not have the choice of changing my loan servicing company. At this poin this is what I would like to do.
Consumer complaint received 2017-06-09
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: Fidelity National Information Services, Inc. (FNIS) (FL)

please i see since  XXXX / XXXX /   2013  reporting {$270.00} it is not true i need chexsystems removing that for me my phone #  XXXX   XXXX  also email  XXXX  XXXX  XXXX
Consumer complaint received 2017-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (TX)

I 've been battling with this company for the last year to get negative and fraudulent account off my credit report. I 've Called this company and asked what they needed.. I 've called police, the id.gov place. I guess chooses who and when to help a consumer. I need to get this resolved bc my family needs to move and this account and some lates are killing my credit. Please see attached evidence and I have more and can upload if needed. I 've learned so much about the laws and how to protect yourself.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question & they are negatively impacting my credit profile. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days!

These fraudulent accounts are not only damaging to my credit profile but also causing me a significant amount of stress and anxiety. I have no connection to these accounts & urgently seek their immediate removal to prevent any further harm to my financial well-being.
Consumer complaint received 2017-06-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (CA)

On  XXXX   XXXX ,    2017  I received another letter from  XXXX   XXXX   XXXX   XXXX  after I had explicitly expressed to them and the original creditor that this debt was a result of identity theft. I have provided  Chase an d   XXXX   XXXX   with all the necessary documentation including a Police Report, FTC Identity Theft Affidavit, CFPB Complaints, FTC Complaints, Identity Verification Document  s i.e. State ID & Social. After receiving all the necessary documentation from me to block this fraudulent account from my credit profile per 605B of the FCRA they had removed it from my credit report.
<P/>
All though they had removed it from my credit report they continued to harass me via mail for what is now almost one year. They have recently began to call my phone again twice a day every day for the last month trying to collect on a debt that is deemed fraudulent. This willful negligence is   now causing damage to my person and there bombardment of calls is now effecting my quality of life. I will be seeking legal remedy granted to me by Fair Credit Reporting Act and The Fair Debt Collections Practices Act.
Consumer complaint received 2017-06-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (TX)

I 've been battling with this company for the last year to get negative and fraudulent account off my credit report. I 've Called this company and asked what they needed.. I 've called police, the id.gov place. I guess chooses who and when to help a consumer. I need to get this resolved bc my family needs to move and this account and some lates are killing my credit. Please see attached evidence and I have more and can upload if needed. I 've learned so much about the laws and how to protect yourself.
Consumer complaint received 2017-06-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAVALRY INVESTMENTS, LLC (SC)

I have disputed the inaccuracies of these debt from XX/XX/XXXX to the present date. This company has re-aged a debt on my credit reports which is illegal and against the law. I have a bill of sales from XX/XX/XXXX and the original debt was disputed with XXXX XXXX as well as the previous collection agency and removed off my credit report. The apparently resold the debt to Calvary Portfolios LLC who re-aged the debt to look as if I recently purchsed the vehicle On XX/XX/XXXX which is inaccurate and falsified. This account was removed off of my account on 2 separate occasions and the company continues to place it on my records.
Consumer complaint received 2017-06-09
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY (NC)

BANKS OF NORTH CAROLINA N  C General statute article 22 53-282 ( b ) The licensee shall ensure that each customer cashing a check shall be provided a receipt showing the name or trade name of the licensee, the transaction date, amount of the check, and the fee charged.
( c ) A licensee shall ensure that in every location conducting business under a license issued under this Article, there is conspicuously posted and at all times displayed a notice stating the fees charged for cashing checks, drafts, and money orders. A licensee shall further ensure that notice of the fees currently charged at every location shall be filed with the Commissioner.
Consumer complaint received 2017-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AUTOMOTIVE CREDIT CORPORATION (MS)

I placed this account in  Chapter   XXXX  bankruptcy in  XXXX   XXXX  and BK was completed on  XXXX   XXXX . The last payment was paid on vehicle and was paid off  XXXX / XXXX / XXXX  totaling  XXXX .   XXXX  The following is what they show on my credit re port (  XXXX  ) C ollection as of  XXXX   XXXX  to  XXXX   XXXX  Debt included in Chapter  XXXX  Bankruptcy on  XXXX   XXXX ,  XXXX  They also show I was in collection from  XXXX   XXXX   XXXX  which has been shown as a negative on my report.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CT)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2017-06-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Information Bureau, Inc. (FL)

On XX/XX/XXXXmy insurance - XXXX XXXX XXXX - paid XXXX XXXX XXXX {$100.00} for services.
<P/>
On XX/XX/XXXX, XXXX XXXX XXXX XXXX  sent to XXXX a collection item of {$100.00} On XX/XX/XXXX, my XXXX FICA score had dropped 60 points because of this collection item.
<P/>
I received no notification from the Debt Collector or XXXX XXXX that they were trying to collect this item from me.
<P/>
Nor did XXXX inform me they were posting this item and the serious effect it would have on my FICO score After a series of phone calls, XXXX XXXX confirmed the item was paid and provided the check number.
<P/>
From this same series of phone calls, the principals involved agreed it was a XXXX-up that should not have normally happened.
<P/>
I never received an explanation or an apology from any of the four participants in this XXXX-up .XXXX XXXX  XXXX -- original provider of services XXXX -- the billing contractor for XXXX XXXX XXXX XXXX XXXX XXXX -- a debt collection outfit XXXX -- Credit Bureau ... .other credit that may be involved
Consumer complaint received 2017-06-09
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: EQUIFAX, INC. (CA)

This relates to on going complaints/investigations currently underway. As of recent, XXXX reports one of two student loans I had co-signed for was a " charge off ''. This was not even a factor before I began my complaint against them. This loan was never in " Charge Off ''. In fact I have recently ( see attached ) recieved a letter from XXXX XXXX ( affiliated with XXXX ) congratulating me on paying off my loans with them. This orginal complaint concerned purported " missed payments '' alleged by XXXX concerning me and my Daughter, XXXX XXXX XXXX. We steadfastly deny such " missed payments ''. More than this, if indeed such payments were " missed '' XXXX reports this three times concerning a single loan. Originally three three checks had been issued by XXXX for a single school years and concerning the same time period. This does not constitute three loans let alone three loans late all at the same time. And at no time had any of these loans been in " Charge off Status ''. To date, XXXX, has exceeded sisty days to provide copies of original documentation as demanded. Additionally, XXXX has failed to provide documentation to support claims that " missed payments '' had been made by mhy daughter or myself.
Consumer complaint received 2015-03-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ASTA FUNDING INC. (TX)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
Consumer complaint received 2017-06-09
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. (CA)

This relates to on going complaints/investigations currently underway. As of recent,  XXXX  reports  XXXX  of  XXXX  student loans I had co-signed for was a " charge off ''. This was not even a factor before I began my complaint against them. This loan was never in  " Charge Of f ''. In fact I have recently ( see attached ) recieved a letter from  XXXX   XXXX   (  affiliated with  XXXX  ) congratulating me on paying off my loans with them. This orginal complaint concerned purported " missed payments '' alleged by  XXXX  concerning me and my Daughter,  XXXX   XXXX   XXXX . We steadfastly deny such " missed payments ''. More than this, if indeed such payments were " missed ''  XXXX  reports this  XXXX  times concerning a single loan. Originally  XXXX   XXXX  checks had been issued by  XXXX  for a single school years and concerning the same time period. This does not constitute  XXXX  loans let alone  XXXX  loans late all at the same time. And at no time had any of these loans been in  " Charge off Status ''.    To date,  XXXX , has exceeded sisty days to provide copies of original documentation as demanded. Additionally,  XXXX  has failed to provide documentation to support claims that " missed payments '' had been made by mhy daughter or myself.
Consumer complaint received 2017-06-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (OK)

On  XXXX   XXXX   2017 Wakefield & Associates  posted a collection in the amount of {$410.00} to my credit report. I did not receive a letter regarding this debt and have no idea what it is so sent a debt validation letter via certified mail on  XXXX / XXXX / 17 . Tracking showed it delivered on  XXXX . I have not received any response but I was under the impression they are not allowed to attempt to collect or continue updating regularly to the bureaus until they verify the debt. They have updated on my reports 3 times since receiving my request on  XXXX . Once on  XXXX , once on  XXXX , and once on  XXXX . I submitted a complaint on BBB last week and have yet to receive a response. Also, the alleged debt is said to be from my local hospital but the hospital is not familiar with this collection agency. I want it removed from all of my credit reports.
Consumer complaint received 2017-06-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group (PA)

I found out today that my daughters bank account has a levy hold on it from Velocity collections according to them for a debt I owe ( my daughter is  XXXX  so I had to be on her account however it is all her paychecks and gift money from family ). According to them they have a court order for this however I was NEVER notified of any court case regarding this debt. The debt is also well ov er 4 year old which is past the statute of limitations in PA as far as I could see. They are trying to take my daughters hard earned money for a debt I do not believe they are legally able to collect in this way, or at all. I am. It sure what to do at this point.
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

The Credit bureaus stated my account was properly investigated but how is that possible if the open and close date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal they also violated my rights under 15 U.S.C section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2017-06-09
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: EQUIFAX, INC. (CA)

In correspondence dated     XXXX   XXXX   XXXX      . I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries. I 've made a request for this company to investigate and requested copies of their INVESTIGATION PROCEDURES, including but not limited to how they did their investigation and copies of documents used in their investigation to determine the accuracy and validity of each account information they reported. I questioned how they STORE FILES as FCRA clearly stipulates that these FILES must be sent to consumers upon request and these files are to be stored by the bureaus whether physical or electronically. I also question why the agreement between the bureaus and Attorney General   XXXX   XXXX   are still not in place even thoug h TWO  YEARS has already passed. All I received from this company is an obvious computer generated generic response letters. Nothing done by a real human. no files documents. Nothing at all.
Consumer complaint received 2017-06-09
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

I received a letter  from Sams Mastercard serviced by Synchrony Bank yesterday,   XXXX  /17 stating they will be closing my account.    This company first lowered my limit a few months ago and now they plan on closing it by months end, which is around the  XXXX  of the month.   I contacted them today on  XXXX / XXXX / 17  to explain to them to please look at my payment history as I 'm a good payor, have never defaulted or have been late. They did n't even care, they explained to me to reapply once account is closed. I 'm trying to prevent it from being closed.   I have  XXXX  other accounts wit h Synchrony and they are doing the same thing. They start lowering limits eventually leading to closure.
Consumer complaint received 2017-06-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I have contacted this company via certified mail on   XXXX  1 7sending a HIPAA letter requesting VALIDATION of this debt. The company, in turn, responded with a VERIFICATION letter which does not validate this debt. I have not signed any documents with this company allowing them to have my medical information, nor have I entered any contract as to why this debt would be owed to them. I have no knowledge of this company and am in need of validation of the information. I will send out another HIPAA letter requesting VALIDATION of debt and f ile a complaint with the BBB.