davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-05
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. (NY)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.
Consumer complaint received 2020-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IL)

I made an attempt to have an old account that was originally opened in XXXX removed. The Credit Reporting Agency is Experian. The debt collection is for XXXX XXXX. The date opened says XX/XX/XXXX. The balance is {$90000.00} this balance was historically proven to be incorrect based on my original court documents, signed by the attorney hired to both submit Divorce and child support. I originally agreed that as good faith effort to make transition for my kids a non burden, that I would make an additional {$50.00} payment bi-weekly only until {$2500.00} arrears was paid. The company collecting never removed the $ XXXX bi-weekly for 10 years the debt was accumulated, since XX/XX/XXXX. The debt is not fraudulently being reported to my checking account and FICO SCORE. I ask again as originally during my previous request for account reviews by the debt Collector. I also have to pay monthly payments of {$130.00} to the Collector that's not reporting. The debt is reported by Experian as a revolving Collections.
Consumer complaint received 2020-06-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (PA)

I am a victim of XXXX XXXX I been calling ability recovery to remove all fraudulent medical accounts off my credit report I also sent copies of my police report & I also spoke with customer service agent his name was XXXX he told me that the fraudulent medical account will be remove! No progress yet
Consumer complaint received 2020-06-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hi, I am so glad there is an agency that I can turn to. I was sent prequalified auto loan advertising, many time from Capital One. I even have 3 credit card accounts and a auto loan with them now. All my cards have 60 % credit left, never late and the auto loan is more than 1/2 paid of in 1/2 the time. I bought a car 3 weeks ago, was asked for a pay stub. I provided a XX/XX/XXXX stub. We were furloughed late XXXX but my company pays for all benefits. They told us we are not laid off. Then just yesterday XX/XX/XXXX they wanted a newer pay stub I wont have one for 3 weeks. They will not pay the dealer even with a note from my employer stating I am employed. They said it was new just that day because of Covid-19. The deal closed on XX/XX/2020. I have the means to make the payments. The pay stubs provided are good for 45 days. Please look into random changes. And if they change rules it should be enacted going forward not retroactive.
Consumer complaint received 2020-06-06
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6900.00}, {$5400.00}, {$11000.00}, {$8000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6900.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-06-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Allied Collection Services, Inc. (Nevada) (CA)

In XXXX of 2020 I noticed a collections in the amount of {$760.00} with Allied Collection Services , Inc being reported to XXXX  and XXXX credit reporting agencies that significantly dropped my credit scores. On XXXX XX/XX/2020 I wrote a letter to Allied Collection Services , Inc and sent it via USPS with request for signature confirmation. The letter was received and signed for om XXXX XX/XX/2020 at XXXX. This letter stated that I wasn't refusing to pay said debt, but was disputing what was being reported and wanted written validation that the debt in fact belonged to within a 30 day time period. It has been 45 days and I haven't received or been provided any correspondence verifying or validating said debt belongs to me. I contacted Allied Collection Services, Inc on XXXX XX/XX/2020 @ XXXX and spoke with a representative with ID # XXXX and asked why I hadn't received any information back from them concerning the letter that they received on XXXX XXXX. The representative stated that he didn't see any letter in my file. He stated that the debt was with XXXX and he could get them on the phone and they could explain when and what the charges were for. I denied and stated I wanted written correspondence verifying or validating said debt belongs to me. I asked to speak with his supervisor and he stated that he was at lunch and that he would have XXXX call me when he returned. I never received a phone call back from the supervisor.
Consumer complaint received 2020-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (MD)

Barclays has been charging excessive late fees to consumers. I had a payment of {$29.00} due on XX/XX/2020, however, a late fee of {$29.00} was charged on XX/XX/2020. Even though, the previous month I had overpaid my credit card bill in the amount of {$100.00}, which theoretically should've covered me for 3 months. This has inflated my balance and caused negative reports on my credit report.
Consumer complaint received 2020-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

hipppaa and ftc violations sent over 30 days XXXX  Opened XX/XX/XXXX + {$52.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$1300.00} Original creditor : XXXX XXXX XXXX
Consumer complaint received 2020-03-11
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION (TN)

I got a vehicle in XXXX of XXXX. The vehicle had a lot of problems from XXXX XXXX in XXXX XXXX TN and they refused to fix the issues. So we had to do a voluntary repo in XXXX of XXXX. Now I'm getting calls from Credit Acceptance wanting payment. They are threatening legal action and wanting me to pay an unfair payment for it to be paid off.
Consumer complaint received 2019-12-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (IN)

I started the modification process in May with PHH Mortgage  Company. I started sending documentation through their online portal. I called often to check on the status of my modification package and each time I was told I was missing documentation, that was already sent. I would resend the requested documentation and follow up with a call where I was told that I had other documentation missing. This continued until XXXX. In XXXX I was locked out of the online portal which said the username and password were wrong. I tried changing the password and eventually called the tech help number. They told me they couldn't get me into the portal. At that point I called and got the paperwork to resubmit the ENTIRE package again, this time through email. Again, I was told repeatedly that I had missing paperwork and that I submitted the " old '' hardship paperwork. I turned in the " new '' hardship paperwork and waited. When I called to follow up I asked to talk to a supervisor. I was put on with a supervisor that immediately emailed me the " new '' hardship paperwork in which I immediately filled out and sent back to her. I called on XX/XX/2019 to follow up and she said the dates were wrong and that I needed to send in the tax returns page 2 again. I did so immediately and she emailed me back that everything was in and and she was going to be out of the office until after XXXX and she would get in touch with me on Friday after XXXX when she returned to work. I never heard from her on Friday the XXXX in which I emailed her but the email came back that the email address didn't exist. I called her direct line today and extension and it said the number was disconnected. Throughout this whole process I was assigned a " relationship manager '' in which I never spoke to once. I spoke to someone different each time I called. I asked to have an appointment with the " relationship manager ''  and was told they do not make appointments. I received a certified letter on XX/XX/2019 and summons papers that my house is in foreclosure.
Consumer complaint received 2019-12-02
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants Automotive Group LLC (NY)

Merchants Automotive Group and Right Direction Financial are refusing to remove an account over seven years old based on fraudulent charges from my credit report. The account in question is not a repossession. The vehicle was returned to the automotive group in 2014 after the automotive group began attempting to collect increased payments claiming that I had fallen behind on my payments. I had fallen behind in the past and had payments deferred to the end of my term as well as made separate payments to bring the account to current. Once the account was brought current, the automotive group continued to attempt to collect increased payments that were more than the agreed terms stating that, even though the account had been made current, I was still behind on my payments. After disputing this issue with the automotive group they refused to admit fault at which point I returned the vehicle. The company then stated that they refused to come collect the vehicle and that I would have to drive the vehicle from my current living address in New York, to their place of business in New Hampshire which I refused to do. The company then continued to attempt to collect payments on the vehicle for months afterwards before charging off the account. This account is based on fraudulent charges and neither company will remove this account from my credit report.
Consumer complaint received 2019-12-02
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: Experian Information Solutions Inc. (PA)

I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again  formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX  {$570.00} XXXX  XXXX XXXX   {$0.00}
Consumer complaint received 2019-12-02
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: Phoenix Financial Services LLC (SC)

I reported to XXXX  that Phoenix Financial services reported on my credit report that I was in the hospital or had services by XXXX XXXX   on XX/XX/19 so this year and I have not been in the hospital at all this year nor last. Last time I attended a hospital I had XXXX and all medical bills have been paid. I reported this inaccuracy by XXXX   XXXX last year and this was removed from my credit report so I dont know why its on here again.
Consumer complaint received 2019-12-02
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. (PA)

I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information  which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against you
r company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX  {$570.00} XXXX XXXX XXXX   {$0.00}
Consumer complaint received 2019-12-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: McNeil & Meyers Asset Management Group, LLC (CA)

Mc Neil and Myers collection agency no longer has any of my information my account has been transferred to a XXXX XXXX collection agency which I have paid in full this been going on since XX/XX/XXXX/XX/XX/XXXX this need to be fixed both these collections agency have given no help at all
Consumer complaint received 2019-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (KY)

My mortgage payment is due on XX/XX/XXXX. I received a bill on XX/XX/XXXX. I think this is an unreasonably short period of time for me to submit a payment especially given that XX/XX/XXXX was a postal holiday.
Consumer complaint received 2019-12-02
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct.  Thanks!
Consumer complaint received 2019-12-02
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. (FL)

I have submitted 8 times to Equifax requesting Equifax investigate unauthorized inquiries over the past two to three months. Equifax is intentionally failing to submit a CDV..dispute. Equifax simply continues to send me results of the investigation request stating w Equifax have receive your request and have viewed it, however are not disputing the inquiries. Failure to investigate any item on my credit report is in violation of the Fair Credit Reporting Act. Equifax is in violation for failure to send me copies of signed application XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/XXXX XXXX
Consumer complaint received 2019-12-02
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. (NV)

XXXX XXXX XXXX XXXX began reporting a fraudulent address to the credit bureaus some time ago. The address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX. This is the address of a fraudster who redirected and changed all of my personal information thereby having all my mail go there. I informed both XXXX XXXX and Experian of this- several times in fact. Despite providing FTC Identity Theft Affividavits in addition to police reports ( yes, plural ), XXXX XXXX has not stopped reporting the address to Experian. Experian, despite assuring me that the address has been blocked, continues as of this moment to report the address. This is a gross violation of law as they both continue to knowingly and willingly, with obvious malice, to report fraudulent information on my credit file. As a result, this address is now part of my public record file. I have been attempting to resolve this since XX/XX/2019. I have given both companies ample time to correct this. As a matter of fact, I feel I have been extremely generous in the time I have alotted for them to simply stop reporting this fraudulent information. They have both been given several copies of both the FTC and XXXX PD reports. As of XXXX XXXX, XX/XX/2019, the fraudster 's address is still being reported to Experian by XXXX XXXX XXXX XXXX and Experian continues to list the address on my credit file.
Consumer complaint received 2024-08-13
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. (TX)

I recently found out that my personal information was compromised in a data breach. I've reached out to the relevant parties to correct the inaccurate information on my credit report, but nothing has been done yet. I called the creditor and credit bureau as I am not liable for this debt with XXXX XXXX XXXX and have yet to be provided a copy of the signed Wet signature or Esign of the alleged According to the Fair Credit Reporting Act ( FCRA ), including 15 U.S. Code 1681i and 15 U.S.C. 1681s2 ( b ), any party that reports information to a credit bureau has to make sure it's accurate. This means they must investigate and validate any disputed information properly. Additionally, 15 U.S.C. 1681 requires that the credit bureaus ensure the information they report is complete and accurate. I have provided CFPB with the inaccurate information that is reported,