davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: URS Holding, LLC (AZ)

I have previously had this collection removed from my credit bureaus ... however, it is now being reported again under a different company by the name of  Alltran Education. I  do not have any contracts with this company.     As previously noted when this account was removed from my credit report, all of my communications have been with  XXXX   XXXX  University (  XXXX   ). T hey wrongfully submitted my account to collections while I was under a payment plan with them, and refused to pull it back. all supporting documents were submitted in the prior disputes. Alltran, the new collections company, contacted me to continue payments, I have been in communication with them for this student account balance, and specified to them this was the last of my balance with  XXXX  -- I previously paid out of pocket over  XXXX  to  XXXX , and this balance was the last of what was owed, which payments were being made on.. I told Alltran all payments would be made online to the creditor. however right after speaking with them, they reported it to my credit report. which appears to have been done out of spite after me telling them I would not pay them directly and it was being handled with  XXXX . I do not appreciate unethical business practices when I am already attempting to take care of this matter that should not have reached this point in the first place.  XXXX  improperly reported my balance, and breached their agreement by sending it to collections, which is why this account was previously removed from my credit report in the past. Furthermore, Alltran reporting this to my credit bureau as a " threat '' because I informed them I would not pay them directly ( probably because the representative would not receive commission for it ) is completely unethical.  XXXX  has previously taken responsibility for not properly handling my account.     Because  XXXX  has caused this much trouble for not properly handling my account, even still after the prior disputes, I have contacted a lawyer as well to handle this further.
Consumer complaint received 2018-10-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (NY)

Im a victim of identity tiff someone got my card information and used it to shop I contacted the company this was already removed from my credit report and now its back, I had a XXXX account and was paying my bill on time every month until this happened and the company wants me to pay that bill when Im not responsible for it.
Consumer complaint received 2024-02-18
Product: Credit 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: WELLS FARGO & COMPANY (NY)

Back on XX/XX/2023 I found that a {$300.00} pre authorization from XXXX XXXX XXXX on my credit card right away I contacted my credit card issuer to stop any transactions from XXXX XXXX XXXX  because I cant find my card and canceled my account. The cancel my account and sent me a new card. On XX/XX/2023 w see a transfer charge to my new account from my previous canceled account in the amount of {$2500.00} which is over my credit limit I contacted the bank and the dispute the transaction after XXXX week the denied my request and contacted them again and explained to them I cancelled the old account and contact me before you approve any charges. They never did and asked them how you approve an amount almost double my card limit without contacting me they said its up to the bank which is not the case several times the did not approve any amount over the limit in the past relatively less than {$50.00} above my credit and reported my account to the credit agency for non payment.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2017-04-19
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Medical-Commercial Audit Inc (MO)

I received an initial notice from  MCA Superior Collections  dated   XXXX     advising me I had 15 days to respond before derogatory credit reporting was done. Nowhere on the notice did MCA indicate or imply I had the right to dispute the debt 30 days from receiving this initial notice. Despite the company 's noncompliance I responded with a request for validation of debt dated   XXXX   ( which was in the allotted time I was advised of ) requesting agreement that bears my signature amongst other documents validating the alleged debt and this company was unable to provide me with any. In response to my letter they did provided me with a bill but no specifics. The blatant disregard to my request leads me to believe they are not taking this matter seriously and I am thinking of contacting a consumer attorney if my concerns are n't addressed expeditiously!
Consumer complaint received 2017-04-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems (MI)

Midwest Recovery System  are attempting to collect a debt that I have no knowledge of. I contacted this company to ask questions about this account. She told me that the account was opened on   XXXX   XXXX   XXXX    . She was n't able to give me much detail about the account. All she knew that it was from   XXXX   XXXX  . I had never heard of   XXXX   XXXX  . I stated that I wanted to look this company up to get some information because I had no knowledge of this account they are trying to collect on almost 7years later. She tried to offer me a settlement, I would n't accept the settlement because I was n't taking responsibility for the account that I had no knowledge of.
Consumer complaint received 2017-04-19
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (PA)

Last month  (   XXXX   XXXX   ), I  had an outstanding balance of {$23.00} on m y GAP Visa c redit card. I did not make any new purchases on the card that month. I was charged a late fee of {$23.00}. Interestingly, this is the exact amount of the amount owed on the card!! Is this even legal?? Plus I was charged a minimum monthly interest fee of {$1.00}, so the total fees for the month were {$24.00} which exceeded the outstanding balance on my card. I do n't understand how I can be charged fees that are higher than the amount owed on the card. Please help!
Consumer complaint received 2017-04-19
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: Overton, Russell, Doerr and Donovan, LLP (NY)

Please be advised that the options above do not describe the issue at hand. We are trying to clear title for property at  XXXX   XXXX   XXXX ,  XXXX  NY  XXXX .  XXXX   XXXX   XXXX   XXXX  holds a lien on the property that we would like to negotiate a settlement for and obtain a release of lien. We have written to their attorney, Overton , Russell , Doerr and Donovan , LLP and the letter was sent on   XXXX  . They have not responded. Today I called their office to confirm that they have received the letter. The receptionist was being very difficult and would not give me any information. She kept stating that they could not give me any information on the account. I acknowledged that I understood that and wanted to speak to an attorney there to discuss. She would not pass me through to anyone, would not give me a fax number to resend my letter, and kept stating she would not help since I did not have the debtor 's authorization. I again acknowledged that we were not asking for any privacy or debtor info, and that debtor no longer owns the property and I have authorization by the new owner. She did not care and kept telling me they would not give me any information. She would not listen to what I was saying and would not pass me on to anyone else in the office to discuss the matter with. I am uploading our original request that described the issue in detail.
Consumer complaint received 2017-04-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Source Receivables Management LLC (CA)

They have harassed me for MONTHS. They threaten me and tell me I can go to jail. I have told them they have the wrong person. I wrote them a letter stating I am not this person and to stop harassing me. They continue. I block their phone numbers and they call on a differ ent one. I jus t contacted them. I spoke with "  XXXX  '' who refused to tell me her last name, or her title, or her supervisor and said that " I better pay ''. This is beyond absurd. In this letter it states that the original creditar is "  XXXX  ''. I have NEVER had an account with  XXXX . Never. They also have the name as "  XXXX   XXXX  '' My birth name is  XXXX   XXXX   XXXX  and it has never changed in my   XXXX   years. No matter what I do, they continue to harass me. The name of the  Collection Agency according to the one piece of mail that was sent to me is SOURCE RM
Consumer complaint received 2017-04-19
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ad Astra Recovery Services Inc (TX)

Someone obtain a payday loan in my name without my knowledge. I have tried several times to hav e Ad Astra Recovery v alidate the debt but to no avail. I have received threating phone calls from deb t collectors on my  job and afte r 9  at night. On one occasion the debt collector insulted me and even asked if my parent taught me to not pay my bills. This issue has ruined my credit and taking a toll on my health.
Consumer complaint received 2017-04-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (VA)

We were near the end of an insurance claim with our previous mortgage company when our mortgage was transferred to Rushmore. When we finally had the additional documents and estimates ready, we sent the checks and all supporting documentation to Rushmore.     After weeks of emailing and calling trying to reach the loss drafts department, we got the init ial 1/3 pay ments processed to the contractors that we needed to do the work. The work was completed ov er 2 we eks ago, and we have requested the inspections and payments processed for the completed work.     After sending emails and calling leav ing Voice Mai l for our Loss Drafts contact, i have received no response from  Rushmore.  Furthermore, the contractors have been calling me for updates on payments. I was provided a " direct number '' to our loss drafts contact by customer service which we used several times to leave voicemail for our contact. That number has stopped working, and now they are telling us that " there is no direct number '' and they " ca n't transfer my call '' - which is contrary to information in complaints on this website.     In addition to the lack of communication from Rushmore 's loss draft department, they also neglected to inform us that our payment had increased to " cover escrow shortage '' and if we had not been calling them almost daily, i would have made my first late mortgage payment in nearly 20 years of homeownership.     This claim has already been going on since  XXXX  of  2016 due t o delay in the insurance settlement process, and these delays have already caused several thousand dollars of additional damage to the property. Rushmore 's claim that " their policy and procedure is for my protection '' is completely false as their delay is preventing repair of the property, risking additional damage, and, if our contractors are not paid from the insurance settlement that Rushmore is in control of soon, financial hardship for my family if we are forced to settle these accounts with our own funds.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (AR)

XXXX Account Name XXXX Under 15 USC 1681a ( 2 ) ( I ) under exclusions late payments are illegal.

the term consumer report does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report must be accurate. 
Perplexing me, is that I did not give XXXX authorization to share my information with XXXX, XXXX and XXXX. 

. According to section 1681s-3 of 15 US Code 1681 a " Definitions ; rules of construction Congress states that reports should only contain information solely as to transactions or experiences between the consumer ( XXXX XXXX and the person making the report ( AES/XXXX  ) I have asked that ( AES/XXXX  ) cease and desist reporting inaccurate information to XXXX, XXXX and XXXX unless they are able to provide ( A ) clear and conspicuously discloses from XXXX XXXX, in writing or in electronic form or other form permitted by the regulations prescribed under 6804 of this title that such information may be disclosed to such third party. ( B ) Please show where XXXX XXXXl was given the opportunity, before the time that such information is initially disclosed to such third party; and ( C ) Please show where XXXX was XXXX an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

My entire student loan debt was discharged in bankruptcy court. Filed XX/XX/XXXX. I Have copy of signed order of Court stimulating the entire debt is discharged under undue hardship. The balance owed is {$0.00}. XXXX has updated my report to reflect zero balance but my attempts with XXXX  and equifax have not worked and amount is still on my report. I disputed it twice nowadays their reports says information was reported as correct. I have the Court 's order and don't understand why this is continuing to remain on my credit report. I have been wanting to buy a home and this loan balance is preventing me from doing that. The order discharging debt was signed by Judge XX/XX/XXXX.
Consumer complaint received 2017-04-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

After  XXXX  years and  XXXX  months,  XXXX  sold our 15 year, fixed-rate mortgage to  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  effective   XXXX   XXXX   XXXX    .  XXXX  sent us a NOTICE OF SERVICING TRANSFER dated  XXXX / XXXX /  XXXX   and we received it the following week.  XXXX  sent a SERVICING TRANSFER NOTICE dated   XXXX   XXXX   XXXX   that we received on or about   XXXX   XXXX  . Both the  XXXX  letter and the  XXXX  letter indicated that ACH payment arrangements would continue without interrruption. Our payment arrangement with  XXXX  from the time that the loan was originated until the sale date was half payments deducted by  XXXX  withdrawal from our checking account on a biweekly basis. After being unable to register our account on the  XXXX  online system between   XXXX   XXXX   and   XXXX   XXXX      XXXX  , I called  XXXX  Customer Service on the afternoon of   XXXX   XXXX   The recorded message said that the account information for newly acquired mortgages would not be availble on the online system for  XXXX  days but that payments must still be made in the interim as their   XXXX   letter also said. However,  XXXX  did not provide any information about the amount of the payment due or the due date. The customer service agent was able to look up our account in a separate system for newly acquired mortgages. He told me that this transition would be " smooth '' and specifically that my payment arrangements would continue as with  XXXX . He specifically told me that the first ACH transaction that  XXXX  would have processed on  XXXX   XXXX , would be delayed until approximately  XXXX   XXXX  and that regular biweekly ACH withdrawals would resume on  XXXX   XXXX . He told me that no action was required on my part to authorize this. The agent also told me that we would receive a phone call about  XXXX   XXXX  orienting us to  XXXX  and its customer service, but did say that if we had n't heard from them by about  XXXX   XXXX , that I should call back. By  XXXX   XXXX , no ACH withdrawal had taken place and no phone call had been received. On that date we received a letter from  XXXX  informing us that  XXXX  did not offer the payment plan that we had with  XXXX  and that we would have to authorize a new ACH withdrawal. We were able to register our account onine on  XXXX   XXXX  and authorize a new ACH transaction, the only option was a single monthly transaction, contrary to what I was told directly by the agent on the phone on  XXXX   XXXX . I believe that  XXXX  has deliberately provided false and misleading information and is acting in bad faith. I advise anyone whose mortgage was recently acquired by  XXXX  to document all contacts and retain all written correspondence. Consider hiring an attorney if you think that is warranted.
Consumer complaint received 2017-04-18
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC (MI)

Received payoff letter for loan with projected payoff date of  X/X/17    and title company attempted to tender payment on  X/X/17    but was rejected. Received new payoff letter increasing the payoff by {$2100.00} three days later! Requested explanation and was told they forgot to include {$1300.00} for work that their foreclosure attorney performed and {$750.00} for forced-place property insurance they forgot to include. ( Could not explain the other {$80.00}  ).
Consumer complaint received 2018-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

" XXXX_ XXXX '' continues to report inaccuracies about past debtors and/or fraudelent creditor collectors on each credit report. My credit score remains drastically low. I had disputed many erroneous credit items including personal information such as name/address/telephone numbers via telephone. Now, there are these follow-up mailed documents from other third party collectors on bearing of XXXX XXXX namely, " XXXX XXXX XXXX, XXXX among the multiple debtors whom I had previously disputed via FTC/FRCA. 

" WELLS FARGO BANK '' " XXXX XXXX XXXX XXXX XXXX '' is another creditor whom I have been issued a unsecured card ; now appearing as a secure card. However, this credit solutions agent if Wells Fargo is committing fraud. The scam is that while my card remains open ; it accumulates a " monthly late fee '' without any activities and I must pay that outstanding balance to remain in good standing. My last payment on a blocked card was on XX/XX/XXXX and my account was {$0.00}. In XX/XX/XXXX, I reactivated a new replacement card ; only to be faced with a balance of {$180.00} which includes next cycle of late fees. I have made a full payment of {$180.00} on XX/XX/XXXX. 


" XXXX XXXX XXXX '' has been erroneously listing my account status as ND=NO DATA and OK since the year XX/XX/XXXX. I had completed payment of my student loans and this account was closed in XX/XX/XXXXfollowing a full year in good standing. I had contacted student consolidation loan center " XXXX '' and spoke with a manager in XXXX, NY on last year ( XX/XX/XXXX ) requesting that they should he should follow through on reporting the correct CLOSED date. He had not done so and EXPERIAN reflects payment history and CLS=closure in XX/XX/XXXX as a result. I had not been utilizing education services with XXXX as of XX/XX/XXXX.
Consumer complaint received 2018-08-24
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. (IL)

Have a fraud report number XXXX. Involving XXXX account # XXXX please review documentation. Trade line has already been removed by original furnisher XXXX XXXX Bank. Review Documentation. Fraud accounts must be removed ASAP according to FCRA guidelines. I will also be faxing documentation over
Consumer complaint received 2017-04-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have asked over and over to have Transunion to removed all non account inquires off my credit report due to the fact that I did n't not give my permission to have my credit ran, I am within my right to have them prove to me by mail that I show my signature or recording to have these inquires on my credit report by these non account holding companies
Consumer complaint received 2017-04-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (GA)

Apparently,  XXXX   XXXX   XXXX   XXXX  sold a closed/paid account of mine to a collector. A collection account that was on my credit report through Enhanced Recovery was sold to another collections company,  XXXX . Now, both are appearing on my credit report and  XXXX  is mis-representing the date the account was open. The open date should have been  XXXX / XXXX /  XXXX   but they are claiming it was open in  XXXX . They are also reporting that I missed a payment in  XXXX . I have never heard of this company and I have never received any information from them. I 'm in the process of buying a home and this is now preventing me from doing so.
Consumer complaint received 2018-10-29
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: PNC Bank N.A. (OH)

PNC Bank was reporting account number XXXX on my credit report as being 30 days past due XX/XX/2014 and 60 days past due XX/XX/2014. I did not realize that I was ever late on these dates so I requested the Credit bureaus to do an investigation to ensure this account was reported accurately. Well when the results came back, PNC updated my account to show that I was currently past due. I have attached a screen shot of my account from XX/XX/XXXX and attached a screenshot of my account from XX/XX/XXXX so you can see that the payment status shows that I am currently past due. How is that possible? How can I be currrently late when the account has been closed since 2014. This caused my credit scores to drop 100 points.