davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-31
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A. (TX)

This is information that should be included with Case # XXXX submitted this evening also. Texas Regulations allow a XXXX % Homestead Exemption for XXXX of the XXXX taxing entities for property taxes using different tax rates for each entity. 
The UN-altered tax certificates provide the calculations for each entity. Later tax certificates provided to our attorney prior to a Civil Action, the calculations were removed. Prior to the calculations and shown on the tax certificates, an incorrect calculation was made.XXXX % of {$330000.00} is {$260000.00} and NOT {$200000.00} as shown on the tax certificates. 
The XXXX XXXX, XXXX letter from PNC attorney after receiving the QWR stated the error was made by using XXXX % of {$25000.00} which was a construction title policy which is {$200000.00}. That letter was also provided to HUD. 
One must make the calculations using both base amounts, as we have and the result is the construction title policy, which PNC and their attorney failed to include, will not produce the amounts shown on the un-altered tax certificates.This had been verified by the XXXX County Tax Office, XXXX XXXX XXXX as all calculations provided by me should be verified by the proper office. 
The individual amounts on the tax certificates ( XXXX ) were used for the Initial Escrow Analysis and Disclosure. The amounts were also used to project the estimate for future taxes.Two of the incorrectly calculated amounts ( {$750.00} and {$690.00} ) were incorrectly placed on the Disclosure to be paid in XX/XX/XXXX rather than the correct amount for XX/XX/XXXX of {$320.00}. 
This made the Disclosure wrong and the HUD-1 Settlement wrong due to an amount from the Disclosure is used to calculate the aggregate adjustment credit for the XXXX. The other errors on the HUD-1 have been explained in the previous complaint. PNC refused to acknowledge the additional tax amount we were facing every month for the 30 year loan and thought it was nothing more than a one year error and made an offer of approximately {$900.00}. 
Using a PNC calculated amount ( {$4200.00} for the tax estimate, minus XXXX page of the tax certificate of {$3300.00} and used for an escrow analysis when the refund was made to the borrowers, {$4200.00} - {$3300.00} = {$950.00} This offer was not made in Good Faith Additional documented evidence is available if needed. All documents referenced in these complaints are available. All Settlement Documents are available. 
By providing incorrect information and altering documents and providing it to a Federal Regulatory Agency should be reason for an investigation for the good of all consumers serviced by this lender and due to their documented errors
Consumer complaint received 2017-03-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (SC)

Check systems is continually breaking the law and they lied to me and when I attempt to have them talk to them North Carolina attorney general or the local police they refused. They have been reporting XXXX accounts XXXX being XXXX and the other being XXXX and they have been reporting this since XXXX. I proved that these accounts were not mine and yet check systems feels it 's in their power to ignore the law or overwrite the law with their policies. When I attempted to correct them they refused and hung up on me. Instead they would rather harm me by reporting known and proven fraud as if it 's mine instead of doing the job that they 're supposed to do and investigating properly. My XXXX account is now owned by XXXX and XXXX has already given me the identification number for them attempting to get check systems to remove the reporting of their account because they know it does n't belong as being reported to check systems. I 'm going to include ChexSystems lies where they say that they contacted the financial institution and verified it in the financial institution says they never called. So I 'm calling to report ChexSystems has breaking the law ignoring the law and thinking their policies supersede the law. I was exonerated of any wrongdoing fraudulent by the police and the courts period ChexSystems seems to feel that a police report has a statute of limitations on how long it 's good for the same offenses. They need to be told very clearly that there is no shelf life for fact in the law and they can not stop doing something because they believe they 're right when they are a XXXX percent wrong. So I 'm hoping that the Consumer Financial Protection Bureau can get check systems to do the right thing and hold them accountable to Breaking the Law because my account was closed because they wrongfully reported XXXX and XXXX up until XXXX of XXXX My First Merit account was closed in XXXX of XXXX because of that wrongful reporting period chexsystem refuses to acknowledge anything except their lies and wrongful treatment of customers.
Consumer complaint received 2016-08-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

I am a victim of identity theft. I have contacted Chex Systems Inc on numerous occasions and have found that they flagrantly violate the provisions in the Fair Credit Reporting Act. My previous financial institution, XXXX XXXX, had a date breach and/or hack several years ago which resulted in my sensitive personal information being shared with over XXXX people. The information included my full name, driver 's license, date of birth and social security number. I have had to dispute numerous accounts opened in my name as a result. I previously disputed the XXXX accounts that are being reported on my credit file with Chex Systems directly with Chex Systems and have now filed a complaint via the Consumer Financial Protection Bureau which Chex Systems responded to. Chex Systems claims to have investigated my previous disputes. Upon my communication with the XXXX companies that have reported information to Chex Systems ( XXXX XXXX Bank and XXXX XXXX XXXX Bank ) I was told by XXXX companies that Chex Systems never forwarded them my complaint and that they were not aware of any identity theft because Chex Systems never told them. I had these conversations with both companies over the phone and XXXX XXXX sent me the attached letter confirming the conversation and letting me know that they told Chex Systems to remove this information. In the response I received from Chex Systems Inc this week through the Consumer Financial Protection Bureau they stated that they would not remove the information - this after the provider of this information has told me in writing that they have requested Chex Systems remove this information immediately. I have attached to this complaint a copy of the written communication from XXXX XXXX XXXX Bank which informs me that they have instructed this credit bureau to follow the law under the Fair Credit Reporting Act and to remove the information from my credit file. I have previously supplied Chex Systems with a copy of the letter from XXXX regarding the identity theft and also provided in the previous complaint filed with the CFPB. In XXXX letters I have attached the financial institutions have provided contact information for any third party to contact to confirm any information. In reaching out to XXXX Bank I was told that they also have no record of Chex Systems contacting them to validate this identity theft. To date I have contacted Chex Systems numerous times and spent hours of my time attempting to rectify this situation and have provided written notice with contact information for them to validate my claim of identity theft and to date they have not honored my rights under the FCRA and attempted to validate my claim.
Consumer complaint received 2015-08-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CCS Financial Services, Inc. (TX)

TO WHOM IT MAY CONCERN-THIS ACCOUNTIS REPORTING AS OPEN AND PAST DUE THAT WAS INCLUDED IN MY CHAPTER XXXX CASE # XXXX. I HAVE MADE MANY ATTEMPTS TO THE COLLECTIONS AGENCIES TO CORRECT THIS INFORMATION WITH NO SUCCESS. THESE ACCOUNTS HAVE ALSO BEEN SOLD TO NEW COLLECTION AGENCIES THAT ARE REPORTING THESE ACCOUNTS AS NEW ACCOUNTS, WHICH I UNDERSTAND TO BE ILLEGAL PRACTICES AND HINDERING BY ABILITY IN REHABILITATING MY CREDIT AND MY PROTECTION UNDER THE CHAPTER XXXX BANKRUPTCY LAWS. 
ATTACHED YOU WILL FIND A COPY OF MY CREDIT REPORT AND CHAPETER XXXX PAY SCHEDULE OF CREDITORS
Consumer complaint received 2016-12-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (GA)

A collection company has listed a derogatory trade line on my credit report. Instead of disputing the account with them, I agreed to pay the account in full for XXXX which was paid on XX/XX/2016. In return, the company, Credit Collection Services ( CCS ) agreed to report this account to XXXX and XXXX for total deletion. They account was never listed on my XXXX report. After checking with both of these credit reporting companies, they still have not received an updated request from CCS to delete the account and CCS is saying they have done so while the credit reporting companies is insisting they have not requested deletion of the account. In addition, the account still shows and outstanding balance. I have contacted CCS and their standard rebuttal is that it will take 30 days to reflect the deletion request while the credit reporting companies are insisting that if they have indeed requested the deletion of the account, the request was perform immediately upon their but insist they have not received such a request. The document attached do not reflect the actual date the account was paid, it only shows the date I printed the form and as you can see it reflects a XXXX balance. This incident is stopping me from transacting a major purchase and I need the account deleted as CCS promised on a recorded phone line during several conversations.
Consumer complaint received 2015-10-06
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Turning Point Solutions LLC (AZ)

this is the copy of the voicemail the company left me ... lThis is an urgent message. We are trying to contact XXXX XXXX in regards to an active filing and delivery information packet. Your immediate return response is requested to XXXX. Failure to respond will result in immediate expedition of the case in decisions being made on your behalf without your knowledge or consent. Again you must contact us by XXXX at XXXX or press XXXX now to be connected.
Consumer complaint received 2019-09-13
Product: Checking or savings account — Savings account
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MA)

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

I'm not sure why I am seeing multiple inaccuracies lsuch as having past due amount when you claim this as charge off. Can you please send me an updated report, otherwise DELETE this form my file!
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2015-12-25
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (CA)

I lost my job and got behind on my Discover Card payment. I contacted XXXX XXXX, a debt management organization, to help me consolidate my debt to get it paid off. I contacted them, but did not sign any agreement forms with them. On the advice of the Counselor they advised me to get my entire credit account number by calling Discover, this was in the month of XXXX 2015, since I no longer had the card. I called the XXXX number for Discover and was transferred to the collections department. I spoke with the representative and reiterated many times I have not signed with a debt management program I just need the account number. The Discover Collections representative threatened to send my account to their " attorney '' if I hung the phone up. So I was forced into signing up with their collections department 's program if I did not want them to turn my credit card account over to their " attorney. '' I discovered that what they did was unethical and perhaps illegal. I contacted Discover and was assured by a " manager '' that my recorded/monitored call would be listened to and they would follow up with me to know the outcome. I made numerous calls over the next two months to see if what that Collections representative did was unethical/illegal, but to no avail. Fast forward to XXXX I have signed up with XXXX XXXX for debt management services. XXXX contacted me letting me know that Discover had me in their Collections Department debt management program, therefore I could not be in XXXX 's. I was livid!! In XXXX 2015, I called Discover and spoke with a Manager who assured me I would be taken out of Discover 's debt management program. The Manager also said she would forward my complaint on to the correct department. I do n't believe Discover one bit I think they are scammers and if that Collections representative used unethical/illegal collections tactics with me he will use them with everybody
Consumer complaint received 2015-07-01
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: Southern Credit Adjusters, Inc. (NC)

I visited the emergency room at XXXX XXXX XXXX XXXX, incurring a bill w/them & the ER " doctor ''. Could 've sued for malpractice. Would have died if I 'd followed doctor 's advice & so walked out. REFUSED to pay the bill. XXXX has sent debt to numerous collectors, all who call, I send letter saying cease/desist, it gets sold to another collection agent. This has gotten OLD. Tonight 's call from Southern Credit Adjusters needs to be the last one. They need to take it off my credit ; it should be illegal for them to pursue me for this debt. Services were NOT rendered because I refused them - if I had accepted them, I '' d be dead.
Consumer complaint received 2016-05-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: U.S. Collections West, Inc. (AZ)

I leased with XXXX on XXXX/XXXX/XXXX through XXXX/XXXX/XXXX and provided them a 60 day notice to vacate due to inhabitable conditions. The XXXX XXXX forwarded a balance to US Collections West ( an Agency ) and US Collections West did not forward any letters or make an attempt to contact me regarding this debt. I was not given my opportunity to dispute nor was I aware of any balance owed. I noticed on the court documents that they had an address that I am not familiar with or have ever lived nor do I know of anyone living there. My mail was forwarded from my old residence to my new and I provided the management company with the new residence. I have also made multiple attempts to contact their attorney through my attorney and they have terminated the calls, very unprofessional! Many of the charges are not valid therefor a portion would have been disputed. I noticed that US Collections West has many violations regarding this issue and many others and their tactics are illegal and immoral. Please help me, I am stressed and sick to my stomach regarding their tactics and business practices. I am employed at the same place since my rental application and not hard to find at all by anyone. They have also placed this information on my credit report without giving me the opportunity to dispute the original creditor balance which violates my rights as a consumer to fair treatment. Please help resolve this issue. Their attorney is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Az XXXX XXXX and US Collections West is XXXX XXXX XXXX XXXX, Az XXXX XXXX
Consumer complaint received 2015-06-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The Law Offices of Mitchell D. Bluhm & Associates (TX)

BACK IN XX/XX/XXXX I WENT TO XXXX XXXX AND WAS TOLD TO APPLY FOR XXXX TO COVER THE ER BILL I HAD A XXXX, I DID AND WHEN I GOT THE BILL I CALLED GAVE THEM THE XXXX NUMBER TO TAKE CARE OF THE BILL AND NEVER HEARD ANOTHER WORD THEN XXXX XXXX XXXX XXXX PA REPORTED TO THE CREDIT AGENCIES I DISPUTED IT AND IT CAME OFF AS WELL I CALLED AND THEY SAID THERE WAS AN ERROR THAT THEY DIDNT HAVE THE DEBT. THEY CLEARED THE COLLECTIONS OFF OF MY CREDIT, THEN ON XX/XX/XXXX AND AGAIN ON XX/XX/XXXX THE LAW OFFICES OF MITCHELL D STARTED REPORTING IT. I CALLED THEM AND EXPLAINED TO THEM EVERYTHING AND THEY SAID THERE WAS NOTHING THEY COULD DO AND HAD NO INFORMATION ON THE EVENT EXCEPT THAT I OWED XXXX. AND REFUSED TO LET ME TALK TO SOMEONE THAT COULD HELP REFFERRED ME TO THE PATIENT ADVOCATE DEPT WHICH I HAVE CALLED EVERYDAY SINCE I SPOKE TO THEM AND YET TO HAVE SOMEONE ANSWER THE NUMBER THEY PROVIDED.
Consumer complaint received 2015-08-18
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (GA)

I purchased a car XXXX 2013. I had never purchased a car that had to be financed until I purchased this one. When I purchased the car I was not explained to completely about the terms, especially when it came down to APR. When I purchased the vehicle the amount I financed was XXXX. I have paid XXXX. My payments are {$580.00} a month. My account pay off as of today is XXXX. So in almost XXXX years my amount has only lowered by XXXX. I will never be able to pay off this amount when they are putting {$400.00} towards interest and only {$180.00} towards principal.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2016-03-28
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (DC)

There is incorrect information on my credit reports that I wish to dispute. My lender agrees and intends to correct the information, but needs to receive the dispute electronically from the XXXX credit reporting agencies. 
I was able to start disputes online through both XXXX and XXXX. However, when I tried to start an online dispute with Experian, I received the message " We are unable to honor your request for a credit report online. '' Information about how to dispute by mail was provided but no telephone information. Eventually I found a number to call, but there was no way to talk to a live person. I was hung up on several times by the automated phone system as I tried to navigate the system. 
Eventually, I was able to order a copy of my credit report by mail. Now I have to wait up to 10 days to receive a copy by mail, when I already KNOW there is an error and want to start an investigation. I will keep trying to initiate a dispute online until I receive my copy in the mail. This is costing me valuable time, because I need XXXX to send the dispute to my lender, who intends to correct the information. 
If the Experian system is not able to process online requests for credit reports, there should be an option to talk to a live person.