davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Consumer Adjustment Company Incorporated (TX)

I have sent several dispute letters to Consumer Adjustment and I also sent a certified letter which I have attached the proof they got it and signed for it. I have no knowledge of this account, company, and never had any contract with this company. I also have attached the 1692G Letter based on the FDPCA. They have violated the law by reporting this unverifiable and incorrect information on my XXXX  credit report. This account needs to be deleted immediately for law violations of the FDPCA. I've tried to resolve this with the company, but clearly, compliance and accuracy are not important to them. Delete this information from my XXXX Credit Report.
Consumer complaint received 2020-11-12
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. (MI)

My account is open, yet you report it as closed. You have stated, falsely, that it is XXXX, Equifax, and XXXX, who are to blame. You've told me that they only update my information every XXXX, XXXX, or XXXX days, which is a lie. They've contacted you with disputes, which you responded to, with fraudulent information. You lied and said, yes, the account is closed.
Consumer complaint received 2015-11-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hillcrest Davidson & Associates (CA)

Alarm was installed XX/XX/2014 by XXXX. I was told that I could set my alarm from my smartphone, which is a Windows phone, however, after the installer was in my home past XXXX, trying to get the systems to work, I was very tired and noticed a few days later, that scratches were on my counter drawers. In addition, I was not able to set my alarm from my smartphone. I was told by the representative after calling, that the system would only work on an IPhone ( 3 days past of being able to refuse the service ). Moreover, the agreement was to take XXXX payments of {$33.00} ( XXXX & XXXX ) and start taking regular payments starting XXXX ( {$44.00} ). XXXX took out more than what was authorized by me. I initially made an {$81.00} ( check ) down payment that was part of the XXXX {$33.00} payments. XXXX withdrew several payments more than what was authorized. I spoke with XXXX in reference to this incident of the extra ACH ( s ) taken from my bank account. Those withdrawals were never refunded. I am being charged for the equipment, which I requested XXXX to uninstall and I am being charged for three years of service. Mind that the system was installed XXXX 2014. Moreover, after speaking to a XXXX rep in reference to ending the service, he inquired as to why. I stated that XXXX had not ethically represented their portion of the contract. They took more funds than what they were authorized and damaged my counters and the monitoring stopped. Because the system was not being monitored, my garage door came opened on several occasions ( system connected to my garage door ), causing items to be stolen, which I did not notice until I had to use something that was stored in my garage ( XXXX ft. ladder, bar stools ( XXXX ), and XXXX XXXX products and other small items. I am a widowed part-time employee and senior citizen and can not afford to pay for products that do not operate properly. Moreover, XXXX took funds that were not authorized, which is unethical. 
I do not have access on my computer to forward documents, however, I can forward copies of paper documents and I can forward an email of the conversation that took place on the initial day/date that the XXXX representative came to my home.
Consumer complaint received 2020-11-12
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. (NJ)

On XX/XX/2020 I contacted Equifax via mail to dispute inaccurate accounts on my report. On XXXX XXXX, 2020 Equifax received my dispute via USPS certified mail tracking, and I have not received any dispute results or investigation into this error.
Consumer complaint received 2015-04-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: First Advantage LNS Inc. (TX)

Dear XXXX, I writing concerning this matter with this company I have explained the conditions of this account and made them aware of the detail concerning XXXX House Apartment a notice was given to the company in advance my rent was paid up in fuelled for the month that I live at XXXX House. I moved because the apartment was no long safe for me to live there. This company attempt to collect a debt that is not own to them.
Consumer complaint received 2015-05-13
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: PRESTIGE FINANCIAL SERVICES INC (CO)

I purchased a XXXX Toyota Camry in XXXX with gap insurance for {$15000.00} using Prestige Financial. I became diligent for a few months when I lost my job and started a repayment plan. They had called all my family, my work, they threatened me by telling me I would go to jail, etc. Until I requested that we only communicate through email. It got better and they were set up to have direct deposit come out of my check as then they contacted a friend a few weeks after receiving my payments that they were to repo my car. It was actually in the process of being shipped from XXXX to XXXX where I picked it up and drove it to XXXX. After a few months and continual harassment, even though they were getting their payments, the vehicle was acting up and the engine started on fire where the insurance deemed it to be totaled. 
After 2 years of payments of $ XXXX/month and then the insurance paid prestige financial directly of {$9900.00} for the total loss, they have now garnished my wages and I received the paperwork that they are garnishing for {$14000.00}. This is totally wrong, I had GAP insurance, I had paid {$10000.00} in payments over the course of 2-3 years and then the insurance company paid them {$9900.00}, which is a total of {$20000.00} for a vehicle that was only purchased for {$15000.00}. 
I have all my emails, gap insurance, insurance from XXXX XXXX XXXX, and payments history that they received from me. I also have several people and family member that they call and harass all the time, making threats, and even calling as an attorney to coarse them into having me call them when I have directly stated that they can only contact me via email so I can keep a record. 
Now most importantly I am having to pay for this vehicle for a XXXX time because they lied about the amount owed. They have used and abused their power. The paperwork I received from payroll states that they served me and I have never been served from them and would request that they show documentation of being served. If I would have been served for this I would have went to court with all my documents to defend myself against their harassing and unethical behaviors. 
I would appreciate any assistance or help in finding a way to dissolve this issue and bring it to justice. 
Thank you for your time and attention in this matter and look forward to hearing from you. 
Respectfully, XXXX XXXXXXXXXXXX
Consumer complaint received 2016-12-30
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TD BANK US HOLDING COMPANY (IL)

Someone added my name to an account for a Authorized user? I do n't know the person and I do n't have a target card never have. Please remove. I am a victim of identity theft. I been living in a 3rd world country for years.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-11-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (NJ)

I sent my payment to td bank on time like I always do for XXXX. Its automatic in my bank account. I got a call on XX/XX/XXXX saying they were attempting to collect a debt and I had not paid my mortgage. After speaking w the representative it became clear they had received my payment and bc of a change in escrow analysis I owed {$14.00} more on a {$4400.00} mortgage so they didnt apply my payment. I paid on the phone the {$14.00} and then they charged me a {$170.00} fee. I spoke at length w td about how this is an unfair practice and that its not indicated anywhere on the bill that this is the practice- to withhold payment if its not in full. And that the practice is extremely off market. They refused to credit the fee. It seems egregious to me so Im contacting you to find out if its a fair practice.
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Express Recovery Services, Inc. (UT)

Express Recovery is reporting a debt on my credit file that I do not owe. I recently checked my credit file and noticed this debt. I called and paid it immediately. I never received any phone calls, notices, or letters for this debt which violates my 30 day right to dispute. If I would of know of this debt I would have paid it off ASAP to avoid collections on my credit file. I need these collections removed from my credit file.
Consumer complaint received 2020-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (TX)

US Bank Credit Card # XXXX due date for monthly payment is XXXX of every month. I get paid on the XXXX so I call in the payment during the day to the number provided on the statement XXXX, I make the minimum payment as I am hurting financially a lot. They take the payment, on the next month 's bill I see a charge for {$40.00} saying the payment is late, this happened three or four times now. I have closed the account because they would not take off the fee. I work two jobs now, I was unemployed for almost two years. It is very important for me to pay my debts, however US Bank was not working with me and charges one of the highest interest rates around 23.99 %. I can not wait to pay off this bill. I think it is very unfair the late fees they are charging me. This year due to Covid it has been especially tough keeping the 2nd job. The total fees charged this year are at {$150.00}.
Consumer complaint received 2020-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Re : SPS SERVICING-CARES ACT COMPLAINT In XX/XX/XXXX my loan was serviced by XXXX XXXX XXXX and owned by XXXX. XXXX offered and I accepted disaster relief by way of postponing monthly payments for a period of time. I was aware of the options offered by XXXX which included relief, if needed, for up to 1 year. I skipped 3 payments and resumed monthly payments in XX/XX/XXXX. 
On XX/XX/XXXX, I was informed by XXXX that my loan servicing was being transferred to SPS SERVICING of XXXX XXXX XXXX, Utah, and ownership transferred to XXXX XXXX XXXX. I immediately reached out to SPS and was assured by my assigned relationship manager, XXXX XXXX, that my XXXX commitment would be honored. I advised SPS of my hope of having my missed payments setup on a repayment plan spread out over 6-12 months and as directed by SPS I provided the required documentation. On XX/XX/XXXX, SPS denied my request and suggested a SHORT SALE. 

The action by SPS is contrary to the relief provided for in the CARES ACT. 

XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX will confirm ownership from XXXX to XX/XX/XXXX. Call XXXX at XXXX XXXX XXXX. XXXX case number XXXX. 

I have attached copies but if you require better quality please let me know. 
ejc
Consumer complaint received 2020-10-28
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. (TX)

I have informed Experian that I am a victim of identity theft and XXXX accounts that they are reporting under my credit file are the result of identity theft. Yet Experian fails to remove the fraud accounts from my credit file. They claim to have verified accounts however according to the FCRA, they have to tell me how they verified the account. Let me know the name of the person that verified this account, their contact number, address, and the time that they were contacted to verify. Im in shock that they are claiming to have verified an account that is a result of identity theft and better yet accounts on which the company couldn't give me information. XXXX and XXXX XXXX are not accounts or information relating to any transaction by myself. I have provided Experian FTC theft report, proof of identity, and a statement detailing these accounts are indeed not mine and a result of identity theft yet Experian still disregards that these needs to be removed immediately or I will be forced to take legal action.
Consumer complaint received 2020-08-26
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 — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (NY)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

I have a loan with SYNCB/GAP. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, SYNCB/GAP with no successful resolution. XXXX, XXXX, and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/XXXX, XX/XX/XXXX ), also I was never 60 days late ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), lastly I was never 90 days late ( XX/XX/XXXX, XX/XX/XXXX )
Consumer complaint received 2020-11-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (NC)

I have a 6-page document typed out regarding our entire almost 4-month experience in refinancing our home. There are many issues that need to be fixed at Quicken Loans in underwriting and customer service, but since our latest issue involves post-closing that is what I'm pinpointing here. If you would like to see my entire experience, I will be happy to upload that document, but it does have our names in it. 

We closed our refinance on XX/XX/XXXX. There was to be no mortgage payment in the month of XXXX, and our first payment on our new loan ( refinance ) was to be in XXXX. 

Problem # 1 ( at this stage ) : On XX/XX/XXXX, our automatic draft for our old loan ( purchase ) was generated, and Quicken Loans took a payment. 

Upon contacting them, they let us know they were waiting on a signature from us and could not pay off our old loan without that signature. 

Problem # 2 : They never contacted us about the missing signature.

Problem # 3 : The missing signature had nothing to do with paying off the old loan. It only affected our disbursement of closing funds. 

We signed the form and asked numerous questions to document why and how this happened. 

Problem # 4 : We got very few answers and were told it would take up to 30 days to refund the money they took due to their delay. 

So, here I am. Very few at Quicken seem to be concerned, and no one seems to be in any hurry to escalate. This morning, I XXXX out some comments about our experience, and I do believe this upset the company, but we still have no answers.
Consumer complaint received 2020-08-26
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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (FL)

I have a loan with CCB/DAVIDS, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CCB/DAVIDS, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-11-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (GA)

A collection randomly showed up on my credit report from Southwest Credit Systems. I have never heard of Credit Systems nor have I received any contact with them via mail or phone. The collection just appeared on my credit, so I reached out to Southwest credit systems certified mail for them to verify the debt and to let them know I do not agree with the debt and no response.
Consumer complaint received 2020-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CITIBANK, N.A. (IL)

I filed a dispute with Citibank on a purchase that was made with a travel agency. When Covid began, I asked the travel agency what my options were. The agent explained to me that if we were to cancel, we would get a credit and I explained that I did not want to do that. The next day I looked at my flight status and my booking no longer existed. I contacted XXXX XXXX, who we were to fly with, and they said that our flight had been cancelled by the travel agency. We filed a dispute with Citibank because the flights were cancelled without our permission. We sent in the emails that clearly stated that we did not want to cancel our flights and the travel agency admitted to cancelling our flights without our permission. If they had not cancelled our flights, we would have received a refund from XXXX XXXX because they had added an extra layover to our flight regardless. We had to reopen the dispute multiple times and this past time we received a letter stating that " We no longer have any available means to assist you in this matter since the time frame in which to resolve a dispute has passed. " I truly believe that if CitiBank would have read the documents and followed up with the dispute, they would have seen that what was done to us was fraudulent. We did not go on our trip. Our flight was cancelled without our permission by the travel agency. That money is rightfully ours.
Consumer complaint received 2020-08-26
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 — Their investigation did not fix an error on your report
Company: I.C. System, Inc. (VA)

I have a loan with XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), I.C. SYSTEM, INC ( Original Creditor : XXXX XXXX XXXX XXXX O D ), and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), I.C. SYSTEM, INC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ), and XXXXL with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2017-01-26
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: KEYCORP (IN)

I have had an account with Key Bank for going on 3 years. I do not have overdraft coverage, do not have a substantial amount of savings, do not have anything in my bank account due to loss of work. 

Recently, a foray of payments have hit my bank account - XXXX or better. Obviously, I do not have overdraft coverage, and I have asked the companies who are taking automatic payments out to stop. I 've gone online and even deleted my bank account from each company 's site. 

I have an equal number of overdraft fees - XXXX. Each XXXX, {$37.00} each. As I do not have overdraft coverage and since I obviously can not afford almost {$2000.00} in overdraft fees, my local branch is calling me and asking me how to square this up - I can not believe I 'd be asked such a question since these were automatic actions not initiated by me. 

This is another case where Key Bank ( with customer service that has gone downhill since the First Niagara acquisition ) is simply capitalizing on another man 's misfortune.