davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-09
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. (AL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I have accounts passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 


XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (MS)

On XX/XX/2018- i submitted a complaint about not having a contract with XXXX XXXX XXXX and never doing business with them- The company sent the following reply- XX/XX/2018 RESPONSE TYPE Closed with explanation Company 's Response Our office is in receipt of the complaint filed by Ms. XXXX XXXX. We greatly appreciate the opportunity to respond. Ms. XXXX indicates she never had a contract with our company. Please note that Ms. XXXX had an account with our creditor-client, who placed the account with our office for collections. Ms. XXXX is however, disputing the account, so we have placed this account on hold and requested verification of the account from our creditor-client. We will send the documentation from our client to Ms. XXXX if and when it is received. Ms. XXXX is also requesting that we remove the account from her credit report, but please be advised that the account has not yet been reported. We trust this resolves your concerns. 

The response was noted on XX/XX/2018- I was not sent any copies of the documents that the company had in their files that was used to verify the claim, today is XX/XX/2018- not even 30 days, yet it is reporting on my credit report.
Consumer complaint received 2018-12-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Got debt collection notice in mail today from Portfolio Recovery Associates of XXXX VA. Notice was in Spanish.

Called XXXX XXXX XXXX  at XXXX to ask for an English-language copy. Agent said she would send one and it would arrive in 7 to 10 business days.

Filed a complaint against Portfolio Recovery Associates with the State Attorney Generals office.

Called XXXX  to see if debt may have been based on identity theft. Agent told me that no account existed in my name or under my social security number. So question remains how did Portfolio Recovery Associates tie me to this debt, if a real debt it is. Did PRA invent the debt?

Contacted my lawyer XXXX XXXX  in XXXX, MI. Told me to send certified letter and what to put in it. Did so, which Portfolio Recovery Associate received.

On XX/XX/2018, Portfolio Recovery Associates sent me another notice also in Spanish.

On XX/XX/2018Portfolio Recovery Associates responded to my certified letter of XX/XX/2018. This response was composed of an explanation of where the debt came from but did not contain any supporting evidence beyond what it claimed appeared in an electronic file indicating the debt.

Portfolio Recovery Associates never responded to the fact that the debt was incurred via a XXXX credit card, which I do not have and, moreover, XXXX has no record of me owning one. XXXX  checked its records via my name and social security number.

Will send another certified letter demanding payment history, one from XXXX itself. ( Haven't sent as of XX/XX/2018 ).

Portfolio Recovery Associates has not provided anything beyond what it said appeared in the Sellers records.

Called Portfolio Associates at around XXXX XXXX. Wanted more information about lack of detail in response to my certified letter. Spoke to XXXX XXXX in dispute department. She thought it unusual that the notices were in Spanish and that the billing address was in California. She promised to do more research and that I should call her in a week. I told her I wanted a letter from XXXX XXXX   indicating all of the information it had on the information she told me or I would pursue matters with the Michigan State Attorney Generals office. Earlier in the conversation she indicated that the AGs office contacted Portfolio Associates.

On XX/XX/2018 Portfolio Recovery Associates send copy of billing statement from a XXXX in Spanish indicating the debt of {$360.00} and giving the address to sent the amount to XXXX   Credit Cards. I thought the debt was incurred via a XXXX   credit card. I also got the address of the person or persons who made the purchase. Portfolio Recovery Associates never bothered apparently to check to see if the address was valid. It isn't. I looked for it in XXXX I also got from Portfolio Recovery Associates a form for filing a dispute related to identity theft/fraud in which I am to include my social security and driver 's license numbers.

I just called my lawyer 's office.
Consumer complaint received 2018-10-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Recovery Management (AZ)

I was in a car accident XX/XX/XXXX and was treated at XXXX XXXX XXXX hospital in XXXX, TN. One of the providers was XXXX XXXX XXXX XXXX, who billed the incorrect insurance for their services. I received a billing statement dated XX/XX/XXXX stating that I owed {$43.00} and I immediately noticed that the insurance company showing as primary was incorrect. 

I contacted XXXX XXXX XX/XX/XXXX and spoke with XXXX who stated she would rebill the correct primary insurance and remove the incorrect one. I checked back with her on XX/XX/XXXX as I had now received a {$43.00} bill from XXXX XXXX XXXX. She told me she would remove me from collections and resubmit again for payment with XXXX XXXX. I updated my address with her and XXXX told me to check back in 30 days. 

I called back on XX/XX/XXXX and spoke with XXXX who stated that the claim had been denied. I proceeded to call XXXX XXXX that same morning and spoke with an agent named XXXX who told me that there was no claim ever filed on XX/XX/XXXX for {$210.00}, which was the amount that XXXX stated. I, once again, called back XXXX XXXX and spoke with a supervisor ( XXXX ) and asked her to remove me from collections, provide proof and I would pay the {$43.00} upon proof. She told me the process would take about 3 weeks. 

Today, XX/XX/XXXX, I called and asked for XXXX, who was not available, and spoke with another supervisor ( XXXX ), who was extremely rude. She stated that the collection agency would NOT recall the collection and that the claim had been denied. She gave me a claim # XXXX and told me to contact XXXX XXXX again. 

I spoke with a wonderful rep at XXXX XXXX, XXXX, who helped me through the many calls that followed this morning. She stated that the claim number given to me by the supervisor at XXXX XXXX was not one of XXXX XXXX claim numbers. We conferenced in XXXX and XXXX advised her that the claim # was not valid. She referred us to the person who denied the claim from the local XXXX XXXX office ( XXXX XXXX - XXXX ). We called that number and it was a wrong #. 

XXXX from XXXX XXXX then got in touch with someone from the local TN XXXX XXXX office that gave her a phone number for the " Plan to Plan '' office, however, I could not be a part of the call, so I had to be on hold. 

XXXX was advised that all the claims that XXXX XXXX sent were to the incorrect insurance carrier ( XXXX ) which I repeatedly told them was incorrect. 

XXXX will be calling me back on or around XX/XX/XXXX to advise me if the claim has been sent to her office for processing. 

I want XXXX XXXX held responsible for the numerous times that they dropped the ball here, resulting in the account sent to collections.
Consumer complaint received 2019-01-10
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC (FL)

west lake financial I have on numerous occasions tried to have this debt removed off my credit reports from this company. It is showing that I have a total of XXXX balance on account. Please see what can be done so that the company removes this information on my report because it is negatively impacting my character they have wrote remarks on my report bad debt account and also charge off loss of profit I paid over 50 % of the loan company is fraud and needs to remove this information in reality they overcharged me the price of the car the average purchase for an XX/XX/XXXXXXXX XXXX is XXXX dollars any assistance that you can provide will be greatly appreciated
Consumer complaint received 2018-10-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastpoint Recovery Group, Inc (OH)

I have received two phone calls from Eastpoint Recovery Group ( XXXX ) for a debt that belongs to my mother ( XXXX XXXX ). The first call was on XX/XX/18 and the caller left a message. Message stated that I " needed to contact the office of XXXX XXXX regarding a formal complaint filed by one of my clients. Please be advised that my client is adamant with respect to their assertions. I'm hoping you can come forward and provide a statement. I'd like to speak to you before this becomes a public record. '' This message never mentioned a collections agency or that a debt was being collected. After searching the phone number on the internet, I assumed this was a scam by someone pretending to be an attorney. 

The second call was on XX/XX/18, which I answered. The call came from the same number and was the same voice. I told the caller that I was the daugther of the person he was trying to reach, to which he said I needed to make her call him back. I then asked who he was with, and I was given the Eastpoint name. The caller stated that he had tried to reach my mother XXXX stated correct cell phone number ) and had failed. And that if she didn't contact him, they would serve papers. The caller implied that a lawsuit had been filed in XXXX county OH ( family lives in XXXX county OH, original debt was owed to a company in XXXX County OH ). I told the caller that he wasn't giving me any information that couldn't be found on the internet and I didn't trust him. I told the caller that I couldn't verify their phone number or find a XXXX XXXX in any attorney database online, the caller started shouting at me that " this call is recorded and I never said I was a lawyer '' ( see voicemail above, caller implied he worked for an attorney. Has also now stated he was filing a lawsuit ) and screamed that I can't rely on the internet, that if I had called back, I would have been able to verify the number - to which I responded that scammers use that tactic. As he continued to yell at me, I told him not to call my number again and that I would forward any future calls to my attorney then hung up. 

After speaking to my parents and relaying the above information to them, I was told this is in regard to a debt that has already been settled directly with the original company. This information has been relayed to the collector on multiple occasions. This XXXX XXXX continues to harass me, my mother, my father, and also calls the family business. He often shouts on the phone and implies that he works with a law firm, that he will be filing a lawsuit, and other harassing tactics. 

I have reported this complaint with Eastpoint Recovery as well.
Consumer complaint received 2018-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

XX/XX/XXXX my home was in hurricane Michael. After my insurance company came out they deemed my home a total loss. I received my checks from my insurance company y and overnighted them to payoff my 1st and 2nd mortgage with Ditech Financial. They received my checks on XX/XX/XXXX. I was informed by the company that they hold the checks for 10 to 16 business days! I am trying to close on a new home on XX/XX/XXXX. And I have called Ditech several times to see what is the hold up on paying off my loans. 

I have called Ditech and talked to 3 different managers in the claims department, and today XX/XX/XXXX. I was told that they put my checks to the " front of the line '' and when the payoff department gets them, it can take 3-6 business days to process them! I explained to them in great detail that they are delaying me to get my closing on my new home. 

Now I asked for Ditech to email me a letter stating that they have my checks since XX/XX/XXXX, and to explain to my new mortgage company, XXXX XXXX what Ditechs process to show for the FHA financing I am getting that the mortgage will be paid in full. 

I was then told that to get this letter can take several days! When does this end! Basically they are holding my checks for almost or near a month! 

I have attached the letter they wanted me to write, copies of the checks, and the XXXX XXXX  label and the acknowledgement that when Ditech received my checks
Consumer complaint received 2018-10-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo has charge excessive overdraft fees of {$35.00}. Request has been made that Wells Fargo not honor payments when funds are not available. However they have continuesly done so without our consent. To grant a charge when the funds are unavailable and then to charge a {$35.00} overdraft fee for separate transactions knowing that there are insufficient funds to cover the transaction is in a sense predatory lending.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I appreciate your assistance in REMOVING a portion of the data in my credit file that resulted from FRAUD, but I still have items that should be removed or blocked. According to FCRA segment 605, you are required to destroy all records captured on an ID THEFT REPORT. I remembered this report for a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$3600.00} XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNTRUST BANKS, INC. (NY)

XX/XX/2018 : {$6000.00} was withdrawn from my savings with what appeared to be a XXXX account linked to my SunTrust Savings account. After several days the money was reimbursed. 
I reported this immediately to SunTrust. After being told the first time it wouldn't happen again, 30 days later it did. 
XX/XX/2018 : {$35000.00} was withdrawn from my savings and two checking accounts with again what appeared to be dozens of XXXX accounts. 
I immediately froze my account, changed my passwords again. After about 10 days, the funds were returned and I unfroze my account so that I could transfer all funds to a new bank ( XXXX ).  While waiting over the past 48 hours for my check to clear to the new bank, additional funds are now being sucked out of my checking account and I am told SunTrust " probably will not be able to stop it ''. I notified them within 30 minutes of the transaction pending and they are unable to prevent it. I literally do not have enough time to move the funds before the thief steals from me again and SunTrust is incapable of preventing the theft from occurring. It is now impossible for me to move the funds. My mortgage was due weeks ago and they have provided no assistance to ensure I can access my money.
Consumer complaint received 2018-10-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (GA)

PLEASE READ. 

I purchased a XXXX XXXX XXXX in XX/XX/XXXX for $ XXXX.with an interest rate of 14.99 %. Financed with Santander Consumer. It is now four years later and I still owe {$17000.00}. This is for a 72 month term. 

This interest rate is just to high and they have charged me {$810.00} in late fees. 
. 

*I 've asked them to refinance the interest rate to 8 % and they refused. The car doesn't even appreciate at the balance they say I owe, I will be upside down $ XXXX and with XXXX kids I can't afford ... and they keep adding fees.. 
( CAR IS OVER PRICED ) IT WAS A RIP OFF..AND THEY KNOW IT. 

*I have asked them to remove the negative late remarks from my credit report so that I'm able to buy my home and they refused.. I can't get them to do anything ... I don't know where else to go except the News media. 

*I 'm currently trying to buy a home and have several late charges from them due to circumstances with my divorce. The late 's that they have reported to the credit bureaus on my credit report are stopping me from buying a home ... This is the only thing on my credit report that's hurting me and my kids. my lender said that unless they have them removed from my credit report, I can't buy a house for 3 years ... .This would affect me and my kids lively hood. 

Can someone please carefully read this and research. I DON'T THINK THIS LENDER IS FAIR AND I THAT THEIR PRACTICES ARE FRAUDULENT ... .THIS IS LOAN SHARKING AND A SINGLE MOM CAN'T AFFORD THIS.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (IA)

In accurdance with the fair credit Reporting act XXXX Account # XXXX, has violated ry rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.Except as provided in paragraph 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 ; arCI 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2018-12-14
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. (MO)

The harassment of a debt not owed by yourself is an emotional form of identity theft in itself, I'm been held to debts inwhich I have no knowledge of. And I surely do not have a contract with the following companies, ( 1 ) XXXX XXXX XXXX for {$210.00}, XX/XX/2018, a date inwhich I was out of town anyways. According to the FCRA, I would had to have an contractual agreement with the creditor in order for me to be an responsible party. Again I have no contractual obligation to the above. As a consumer I'm requesting physical documentation of this debt. And for this one as well, ( 2 ) XXXX XXXX XXXX XXXX, XX/XX/2018. If these requirements are not met then I have no other option but to file a law suit for emotional harrassment. Again no contract with either of the above.
Consumer complaint received 2019-01-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Experian claims it verified 2 collection accounts reported on my credit profile, one with XXXX XXXXS and the other with XXXX XXXX XXXX XXXX. 

I sent a Method of Verification request, which they received on XX/XX/2018. By law they have 15 days to comply with my request, ot delete items from my credit profile. 

To date neither has been done.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00}.