davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-01
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Alliant Capital Management LLC (CA)

I received a call on my work cell phone at XXXX on XXXX/XXXX/16 from an Oregon XXXX XXXX. A voicemail was left from a female named XXXX XXXX stating that she was following up " on a potential claim that was in her office '' At no point did she identify the company she was calling from. I called the number back and was greeted with " hello '' I stated that I just received a call and was immediately transferred to XXXX. Again, at no point in time did XXXX identify the company she was calling from. After discussing a debt from American Web Loan, I stated that I would be willing to discuss a settlement offer. At this point I was transferred to XXXX XXXX in the " settlement department ''. At this point, XXXX proceeded to discuss a settlement offer. When I refused the offer and attempted to negotiate, XXXX stated that I had no grounds to negotiate and proceeded to tell me that they would be contacted my employer for garnishment and pursuing judgement against me. As I attempted to inquire further, XXXX stated that 's all I need from you and hung up while I was still speaking. I called the number back and spoke to a male that answered the phone. I asked for the name of the company and the names of the XXXX individuals I had just spoken with. The male called me by my full name as soon as he answered the phone. He did state the name of the company as Alliant Capital Management Services. He refused to give the names of the XXXX women I had just spoken with stating that he could only see extension numbers on his end. I then had to question if all employees shared the same extension numbers or they were assigned. He still refused to give me the names of the individuals I had spoken with. I have received a previous call form this aggressive collection agency in XXXX 2016. At that time I updated my contact information to include my cell phone, work cell phone, and address. In XXXX I did request a written invoice of all charges and interest that this company was trying to collect. I did not receive anything in the mail. I have not received any written request concerning this debt in over 12 months. I will be sending a cease and desist letter to this company.
Consumer complaint received 2016-04-19
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (MS)

Today is XXXX/XXXX/16. I am an officially notified XXXX recent former Federal Employee, that WAS compromised in the successful hack attack on XXXX databases. I subscribed to the XXXX recommended XXXX XXXX Monitoring program. In an email from XXXX, dated XXXX/XXXX/XXXX, I was given a XXXX XXXX. Today I 've accessed my account with them and see that on XXXX/XXXX/16 " an unwarranted '' inquiry was made to my credit report and was described as follows at XXXX : " XXXX obtained a copy of your EQUIFAX Credit Report. " I have not been engaged in seeking new credit that would warrant this inquiry. I am unable to determine whether it meets your before criteria of either " hard or soft. '' To me, it has been UNWARRANTED, and the company requesting LACKED LEGAL AUTHORIZATION from me to do!!! I 've check on line about the supposed name of the company " XXXX '' and see that it 's been linked to numerous complaints in the past. Since this is NOT authorized by me, through a new credit application, I would like to have this inquiry identified as " inappropriate '', and that I as the Consumer be PROTECTED FROM HARM by their actions.
Consumer complaint received 2016-07-01
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (NY)

In XXXX, XXXX, I received a notice from Phoenix Financial Services that I had an account with XXXX XXXX XXXX of FL in collections for {$65.00}. XX/XX/XXXX, I had paid my bill to XXXX XXXX XXXX. The company subsequently refunded the payment I made, as my insurance had covered the {$65.00} bill. 

I contacted Phoenix Financial Services with the telephone number on the letter I got int he mail. I explained to them the situation. I had both receipts from the payment and the refund. I asked them if there was a way to submit this paperwork. The representative gave me an email address and reference number to send the paperwork to them. I did, and waited a number of weeks to hear back from them. I had not heard anything. I called them a second time, and they claimed that they received my documents but now they had to contact the original creditor. I thought that was reasonable. A few weeks later, I called again. They claimed that they still had not been able to contact the original company. 

A few weeks ago, I called back again. They informed me a second time that they have not been able to contact the original company. I explained that this account was negatively affecting my otherwise clean credit report. It is an inconvenience, as this situation could not be handled in any sort of swift manner. The representative assured me that since it is being disputed, it would be off my credit report. 

I called back XX/XX/XXXX, as I saw the collections was still on all three of my credit reports. The representative told me it was because they usually update once a month, and I should see that they are not there within a few days because it had not been exactly a month since they deleted the information off of my credit report. 

I checked my credit report last week, and the collections are still there. I do not believe that Phoenix Financial Services has contacted the credit bureaus or the original company on my behalf, despite claiming that they are looking into my dispute. 

I 've called Phoenix Financial Services numerous times, and they are not able to make any progress with my dispute. It does not seem like they 've made any effort to even explore the validity of my dispute. I have done everything correctly and everything that they requested for me to do on my end. However, whenever I call them, it seems to me that I get a different excuse from the representative on the line.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to formally request the correction of inaccurate information on my credit report. I recently reviewed my credit report and identified several inaccuracies that negatively impact my credit score and affect my ability to refinance my home. 

The specific inaccuracies are as follows : Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX It is my only address all others should be removed INQUIRIES : XXXX There should be one XXXX XXXX ( there are multiple ) XXXX  Should be removed ( Lender ) Capital XXXX Removed XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Please remove XX/XX/XXXX Never Applied XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Please removed I don't have a XXXXXXXX XXXX  and never applied XXXX XXXX XXXXe XX/XX/XXXX Please remove Never Applied XXXX Bank XX/XX/XXXX Please remove ( Never applied ) XXXX XXXX Please remove ( never applied don't have a XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please removed XXXX XX/XX/XXXX? Please remove this acct was opened in XXXX I request that you investigate these discrepancies and update my credit report accordingly. I have attached any relevant documentation to support my claim. 

Please confirm receipt of this request and inform me of the steps to address these issues. If the inaccuracies are not corrected promptly, I will have no choice but to consider legal action to protect my rights and financial standing. 

Thank you for your attention to this matter.
Consumer complaint received 2016-07-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

After sending two letters opening investigations to the credit bureaus for XXXX reporting a charge off and open balance to a debt that they XXXX me for in 2014, I am escalating this issue to be rectified by CFPB holding XXXX and the credit bureaus accountable for their actions. They are illegally hurting my financial wellbeing by still reporting an open balance which is affecting any ability to acquire financing.
Consumer complaint received 2017-08-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (NJ)

I paid the wrong amount one month. I shorted the payment by {$30.00}, because I have an adjustable rate and it 's the first time it had gone up. I sent in the {$30.00} with my next payment. Now they are charging me late fees every month, even though I am paying on time. They insist that they ca n't waive the " late fee '' even though I was n't late, and have NEVER been late since XXXX sold them my mortgage! I was with XXXX for 20 years and never had an issue!
Consumer complaint received 2024-08-15
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/XXXX an order was placed with XXXX XXXX. On XX/XX/XXXX at XXXX XXXX I contacted XXXX XXXX and was told by XXXX representatives that they could refund my purchase, however they would need to escalate to a supervisor. This happened at least XXXX, and the way things were left in an actual conversation was that if I refuse delivery, I would be able to get my money back. Per their instructions, I at no time opened or accepted the package, it was returned to XXXX and shipped back as evidenced in the tracking number. The final signature is not mine. I am being extorted into paying for an item that was not accepted from the courier, off the conditions PROVIDED by XXXX XXXX to be refunded. Information was falsely provided to Synchrony Bank by XXXX XXXX for my dispute. Now I am stuck with no headboard, and a {$700.00} charge when I only followed the instructions I was provided with BY XXXX XXXX. It's extremely manipulative and looks like a deceptive practice.
Consumer complaint received 2016-07-01
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: United Consumers Inc (MD)

I have asked United Consumers to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2017-08-18
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: Avant Credit Corporation (FL)

To Whom It May Concern : I have recently been informed that there are negative information reported by XXXX XXXX XXXX in the amount of {$XXXX} with status of charged-off, amount of {$XXXX} with charged off status, amount of {$XXXX} with charge off status, amount of {$XXXX} with charge off status, Avant INC with {$XXXX} balance with XXXX late status opened XXXX XXXX, XXXX, and XXXX XXXX XXXX with {$XXXX} balance with charge off status opened XXXX XXXX, XXXX on my credit file they maintained under my Social Security number. I sent XXXX XXXX XXXX, Avant INC, and XXXX XXXX XXXX letters in XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX asking to provided documented proof, bearing my wet signature, showing I consented to the inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. I also asked XXXX XXXX XXXX, Avant INC, and XXXX XXXX XXXX to provide me proof of the signed contract and copies of any documentation associated with this account, bearing my signature which they claim the account belongs to me. Furthermore, I formally asked XXXX XXXX XXXX, Avant INC, and XXXX XXXX XXXX that In the absence of any such documentation bearing my signature, I formally request that the information be immediately deleted from my credit file they maintained under my Social Security number. XXXX XXXX XXXX, Avant INC, and XXXX XXXX XXXX as of XXXX XXXX XXXX, still has not provided me with any documentation or contracts, bearing my wet signature, showing me proof that I consented to them running any inquires or having a contract with them for what they say belongs to me. I was told by XXXX XXXX XXXX, Avant INC, and XXXX XXXX XXXX that they do n't have to show me any proof and that I heeded to take it up with the Credit bureau to get it removed. When requesting documented proof of the contract and asking to show proof I consented to having XXXX XXXX XXXX, Avant INC, and XXXX XXXX XXXX run inquiries, bearing my wet signature, XXXX XXXX XXXX, Avant INC, and XXXX XXXX XXXX sent me billing statement stating that this was verification I requested which is false and they said it was proof. I never asked for billing statement because that 's still not showing any contract or documented proof, bearing my wet signature, that they was authorized to run an inquiry or even prove the account is even mine. This is wrong and when I asked the question to where does it say in the FCRA that you do n't have to show me proof, they could n't tell me and only said that it was in FCRA.
Consumer complaint received 2016-07-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I was told by the XXXX major bureaus that I had to contact the creditors for the inquiries on my report that is n't mine. I was told that they could n't do it. So I contacted the creditors with the information provided by my credit report. I sent each and every company a letter disputed that I have not applied for this credit and to pleas remove from my report. After 45- 60 days. I sent the responses to the XXXX bureaus and also sent some the the mail as insufficient address. Meaning it was n't accurate. I sent all the information to the bureaus and they still did nothing. I called each one and they claim that they still was n't going to remove it. They claim that u need to contac the creditors. I told them I did. You hv some letters stating that the company does n't have I for. A few letters stating that the inquiries was not hard. Also return address and no accurate phone number. I was like I 'm using the information that you allow the creditor to report and the results is this. Each bureau have all copies. They refuse to help me. I pay Experian XXXX and XXXX to be apart of there services and they have been horrible to me. I also have a few collection accounts that are not mine and the companies have yet to prove that. My identification was stolen about 8 years ago. However I did n't make a report because I was not aware that I needed too. I just went and got got new identity. Not realizing that it was important for me to do that. However I was told that I needed too. So I do have a police report. I just want theXXXX bureaus to treat me with respect and just stop letting peopl report items to my report just because they are paying them.
Consumer complaint received 2017-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (GA)

This is a fraudulent account and it needs to be deleted immediately from all XXXX major credit reporting agencies immediately. I have attached a copy of where XXXX deleted this fraudulent account from my credit report. I am requesting for IC System to delete this account from XXXX and XXXX  immediately.
Consumer complaint received 2016-07-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

I received damage to my property. My insurance company issued a claim check for the damage, addressed to me and my mortgage company ( Ocwen ). I contacted Ocwen and followed precisely the instructions they provided to get the check endorsed and returned to me. I also included a written letter including address, loan number, and the desire for expedited service, along with a {$15.00} personal check for expedited return service. I never received the check back. My personal check was cashed, but when I called customer service about it, they said I did not send a personal check and that they endorsed and mailed the check via USPS. That was more than a month ago. I emailed them and faxed a copy of the cashed check. They continue to claim that I did not pay for expedited service and that the USPS lost my check.
Consumer complaint received 2016-07-01
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: SUNTRUST BANKS, INC. (FL)

On XXXX XXXX XXXX I noticed XXXX pending transactions ( XXXX for {$53.00} ) on my account that I had not made. I immediately called my bank ( SunTrust ) and informed them of this. I was told they would take it off and research it. I asked them to please let me know who tried to write a check on my acct. or if it was accidental internal or computer fraud so they transferred me to the fraud dept. I told them the same situation again and they asked me if I would prosecute and I said yes! So they took my info and said they would contact me in about 10 days, however no one ever called but the transactions were removed from my acct.! I then called the SunTrust back on XXXX/XXXX/XXXX to ask what had transpired and they said " well it 's not on your acct. '' and again transferred me to the fraud dept who gave me a direct phone number to call. I called this number XXXX on XXXX/XXXX/XXXX. I then reiterated the same story and they said they ca n't find it anywhere but it 's not on your acct. so it 's ok. No it 's not I want to know who tried to get into my acct! So they said they would research ( again ) and call me back. Again THEY DID NOT! On XXXX/XXXX/XXXX I called the fraud dept. again and again same run around! I have banked with SunBank/SunTrust since XX/XX/XXXX and am very disgruntled that they ca n't even help me with such a small request as to who tried to get money out of my acct.
Consumer complaint received 2016-07-01
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Southwest Credit Systems, L.P. (TX)

I have asked Southwest Credit System to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2016-07-01
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: COLLECTION SERVICES OF ATHENS, INC. (GA)

I have asked Collection Svc Of Athens to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2017-07-15
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: Innovis (CA)

I am a victim of identity theft, my personal information was use to acquired XXXX XXXX XXXX credit cards without my consent. The credit report that i obtained from Innovis credit bureau shows my personal information was incorrect as it shown in the attachment. I have never been notified of this collection action or that I owed the debt. This letter is to inform you that I would like a verification of the debt and your ability to collect this money from me. Under the FDCPA, I have the right to request a validation of this debt. I request that you prove that I am indeed the party who is contractually obligated to pay off this debt. I hope you are aware that reporting any invalidated information to major credit bureaus may constitute defamation of character. In addition, you must also be aware that until you validate this debt, you can not continue collection activities or report this information to the credit bureaus. Non-compliance with this request may land your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. Please attach copies of the following documents : 1. Agreement with your client that authorizes you to collect on this alleged debt. 2. Agreement that bears signature of the alleged debtor where he promises to pay the original creditor.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am asking for your help with this incorrect account thats showing up on my credit report. Ive brought up this issue because its damaging my reputation, and I need your help. The way my credit report was managed has put me in a tough spot, as this incorrect reporting has hurt my reputation. Please correct these mistakes so I can live with my family.
Consumer complaint received 2017-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

i had two accounts with two different act numbers I paid them but they used one account to take all the payments that acct number was XXXX for {$580.00} and they did not apply the {$1000.00} to the account number XXXX so when transunion and XXXX calls on investigating this there using the account number thats on all the receipts thats for the {$580.00} and its of course showing paid in full this is why i am still showing a open collections for {$1000.00} so i am wondering where did they put my money? was the error found? if i had overpaid {$1000.00} on the {$580.00} acct why would n't I 've received a refund? on my transition credit report is shows two different account numbers but obviously there clerk applied ALL my {$1600.00} to one act that was only {$580.00} and worse problem is they told me they ONLY report once a month and this could not and would NOT be corrected if needed until mid XXXX, thats wrong, when it is there Error they should manually fix it to all 3 credit bureaus ASAP this is causing so much problems while I 'm in escrow