davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
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: EQUIFAX, INC. (TX)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by XXXX parties, and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make these unfair practices. According to the FDCPA XXXX entitled to XXXX dollars per violation and clearly, they violated my rights.
Consumer complaint received 2021-01-29
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. (IL)

Someone stole my identity and received a XXXX card in XXXX. XXXX initially reported it as fraud and it was removed from my credit, but in XXXX they recanted and began reporting the debt again as valid which is 3 years after the dispute period and the period for providing proof under the fair credit reporting act. I have had a XXXX XXXX  from being stressed over this fraudulent account. It is reporting on my Experian credit report. This is drastically affecting my credit.
Consumer complaint received 2021-01-29
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AES/PHEAA (WA)

National Collegiate Trust is reporting to credit bureaus that the student loan I co-signed on is charged-off and transferred to another lender. It was not transferred to another lender and the account is currently being collected on. My brother-in-law was taken to court by NCT on XX/XX/2020 and ordered to pay it. Their law firm, XXXX XXXX represented them in this matter. Prior to the court date, ( I did not know they were taking my brother-in-law to court ), I made 3 attempts to call the law firm and settle the debt because this false claim is keeping me from obtaining employment. NCT did not take me to court or inform me of a court date in any form. This is because, in my attempts to settle the matter, XXXX XXXX told me and my brother-in-law that they are not licensed in Washington state and can not collect from, contact, or pursue me in anyway. Following the court order for my brother-in-law, he received the payment plan, pertaining only to him. He has made the first payment and accepted the new terms of the loan. I then called XXXX XXXX requesting that they provide me with documentation of their claims that they are not licensed in Washington state and can neither collect or pursue me. They refused, they transferred me to a lawyer that I left a detailed message for and never returned my call. Their website does say that their lawyers are only licensed to practice in the states listed in their individual profiles. Further down it lists each lawyer with their licensed state, none of which are Washington, XXXX. National Collegiate Trust has no contact information and you must go through whatever law firm they have hired to speak with anyone. I have filed disputes with XXXX  multiple times and my report does not change. Therefore, I must assume that National Collegiate Trust is reporting false information as their law firm has stated to my brother-in-law, that the account is in an active-repayment status or NCT is illegally collecting on a loan that they no longer own and we are unable to track down who might.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I saw unauthorized inquiries on my credit report today, and I dont know where they came from. I regularly check my report, but this time, there were unexpected discrepancies. I refreshed my browser thinking it was a glitch, but the inquiries are still there. I need the documents I've sent to be thoroughly reviewed so I can finally put this matter behind me.
Consumer complaint received 2021-01-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

I was considering the purchase of a vehicle and was shopping insurance costs. I ended up giving XXXX my credit card, not sure why they needed it, that according to their phone rep bound me to a policy for the vehicle. I thought it was a deposit that if I didn't use them I could get back. I did not buy the vehicle so did not need insurance. My existing insurance, XXXX, covered me for the vehicle anyway, and I have provided them proof of that coverage during the time they are billing me for. I even cancelled with XXXX and they continued to bill me. Now that I haven't paid, and obviously can't afford 2 insurance payments, especially for a vehicle I don't own, they turned me over to collections, Credit Collection Services, who continues to harass me and ruin my credit. I have talked to both about this, multiple times but didn't keep the exact dates, and it all keeps coming back to ME needing to go to the DMV and provide them with a report showing my name is not listed as an owner of the vehicle. This is a direct violation of the FCRA surrounding accuracy of data and their only solution is for me to go wait at the DMV to get a report to send them so they can consider the disputed amount. They have also asked me to call the dealership to prove it, which I have, but their accounting team never gets back to me. Meanwhile, they have destroyed my credit. They can run a report themselves to see I don't own the vehicle but they choose not to do anything on their side to try and resolve. Just keep pushing it back to the consumer and if I don't do what they want, to fix their error, I get harassed by a collection agency. I spoke to Credit Collection Services and XXXX on XX/XX/2021 one last time to try and resolve.
Consumer complaint received 2021-01-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

To whom it may concern : This is a written statement regarding the above medial record number. On Thursday XX/XX/XXXX, I received a notification from Experian that there was a new collection item added to my account under XXXX XXXX XXXX XXXX XXXX XXXX, under MRN : XXXX with a date of service of XX/XX/XXXX. 

I called and spoke with XXXX at XXXX XXXX XXXX @ XXXX ext. XXXX on XX/XX/XXXX @ XXXX XXXX, who confirmed the collection account is from XXXX XXXX XXXX XXXX in XXXX XXXX, CA. 
I can confirm and prove that I have never been a patient at this Medical Center. I am not a resident in or near the XXXX XXXX area nor have I EVER been. I do not have family or friends in or near the XXXX XXXX area either. I have been a resident only in XXXX California all of my life. Currently a resident of XXXX CA since XXXX ; and previously XXXX XXXX AND XXXX XXXX, CA. I am a victim of ID theft and have been since XXXX. I currently have about 10-15 police reports that I have filed myself and police reports that have been provided to me from various police departments over the years. 

Again, I am not a patient at XXXX XXXX XXXX XXXX nor have I been a patient with this Medical Center, therefor I am not responsible for this debt. Please investigate this and remove my name and SSN out of your system or database, ASAP and please notify the authorities. 

I called and spoke with XXXX in XXXX XXXX @ XXXX XXXX XXXX XXXX @ XXXX today, XX/XX/XXXX @ XXXX, who confirmed my identification and provided me with the medical record number and date of service. He also advised me to include in this email : My CA ID and a document showing my address at the time of the date of service that is being billed ( XX/XX/XXXX ). This email is also being sent from my employer email which shows the address of my current employer. I also included my employee verification with my start date. 

Collection Agency : XXXX XXXX XXXX  Ph : XXXX Fax : XXXX Account # XXXX Police Report Number : XXXX
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX  XXXX XXXX Balance : {$1100.00} This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX XXXX Balance : {$1400.00} This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX  XXXX Balance : {$1900.00} You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (PA)

On XX/XX/XXXX I called Westlake Financial Services about a contract they have listed on my credit report. I asked them could they send the original contract because the car they listed in the credit report was from Pelican Auto Finance. They told me that they brought they contract because Pelican went out of business. I asked them could they send documents. They agreed however, they sent over somebody named XXXX XXXX bill if sale. 

On XX/XX/XXXX I called again asking for the same information and was told they will get in contact with the back office again and they will try again. They was able to send the payment history. Inside the payment history shows that they picked up the loan XXXX XXXX and on the XXXX of XXXX was hit with late payments and interest fee but a payment was made in the XXXX which is when I normally payed Pelican Auto Financed company. I asked them can they send the payment records from Pelican it looks like the payments started over as if I did not pay Pelican Auto which I had for at least a year and they cant produce it. 

The payment history they sent shows that they charged off the the car off for XXXX.But thats not the amount thats reporting on my credit report. I disputed with all three credit reports and they keep updating inaccurate information. 

However they sold the car in XXXX so I doNt understand how they are still charging repossessing fees for XXXX and XXXX along with payments and they had the car since XX/XX/XXXXXXXX XXXX
Consumer complaint received 2021-01-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I've disputed with the credit bureaus for months because the inaccuracies, incomplete, and unverifiable accounts that have been reporting on my account. I would like for these accounts to be removed because they are purposely reporting these account to damage my credit worthiness, could you hold them accountable?
Consumer complaint received 2024-10-22
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Onity Group Inc. (CA)

Description of Complaint : I am filing this complaint regarding PHH Mortgage 's handling of my parents ' reverse mortgage following the death of my last surviving parent on XX/XX/XXXX. PHH Mortgage is violating HUD regulations and engaging in potentially unfair and deceptive practices in the following ways : 1. Premature Foreclosure Action PHH initiated foreclosure proceedings shortly after my parent 's death This violates HUD regulations that provide heirs XXXX year to sell or refinance the property When contacted about this violation, PHH has been unresponsive 2. Denial of Extension Rights PHH claims I am ineligible for a second extension due to missing their internal deadline They have failed to provide any HUD regulations supporting this position This appears to be an arbitrary denial of rights granted under HUD guidelines 3. Failure to Respond to Written Communications I sent a formal letter on XX/XX/XXXX requesting clarification and compliance with HUD regulations I sent a follow-up letter on XX/XX/XXXX PHH has failed to respond to either communication 4. Pattern of Concerning Behavior PHH has a documented history of regulatory violations ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) The XXXX XXXX XXXX reports XXXX XXXX XXXX PHH closed in the XXXX XXXX years XXXX complaints in the last 12 months specifically related to Unfair, Deceptive, or Abusive Acts or Practices Desired Resolution : 1. Immediate withdrawal of foreclosure proceedings 2. Written confirmation of my right to the full one-year period ( until XX/XX/XXXX ) to sell or refinance the property 3. Clear explanation of the process for requesting a second extension 4. Written documentation of any HUD regulations that would prevent such an extension Prior Actions Taken : 1. Sent formal letter to PHH on XX/XX/XXXX ( via fax and USPS mail ) 2. Sent follow-up letter on XX/XX/XXXX ( via fax and USPS mail ) 3. Attempted phone contact on XX/XX/XXXX Supporting Documentation Attached : 1. Copy of death certificate 2. Copies of letters sent to PHH Impact : This situation has created significant stress and uncertainty for my family during a period of bereavement. PHH 's actions threaten our legitimate rights under HUD regulations and could result in the premature loss of our family home.
Consumer complaint received 2021-01-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (MO)

My account was $ XXXX in the negative. I went immediately and deposited {$25.00} cash into the atm system to get my account out of a negative balance. I then had a positive balance of $ XXXX in my account. There was enough money in my account to cover my transactions. The next business day PNC bank charged me {$36.00} because my atm deposit was after XXXX. Now my account is again $ XXXX in the negative. On Friday XX/XX/2021 XXXX I discovered that PNC bank charged me ( 3 ) {$36.00} overdraft fees for the pending transactions on my bank that had enough money originally in my account to pay for. They charged me a total of ( 4 ) overdraft fees totaling {$140.00}. I made a deposit for {$170.00} plus {$25.00}. 


This is wrong. Its ridiculous I know how to manage my bank account. I work very hard to manage my finances. I am a responsible individual and I want my bank account fixed. This is how the rich keep getting rich and the poor stay poor. I understand there are rules to how transactions work. However ; there was enough money to pay for my transactions.
Consumer complaint received 2021-01-29
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. (PA)

CitiCards upheld a request to chargeback a fraudulent transaction made to my card by XXXX. Citi closed the " case '' saying in a recorded call that the date of my cancellation of XXXXXXXX  service was never communicated - despite my telling them " XX/XX/XXXX '' several times. I allege Citi did not properly follow chargeback norms, and failed in its duties, and is still charging me the charge. There is also the matter of XXXX  tself, and its absolutely failure to communicate back with me, as well as several misstatements that company has made ( they provide services to those submitting expense reports, and their business tanked during COVID, thus they are " grabbing '' revenue ). In fact - Citi is in possession of an email FROM XXXX  saying if I would withdraw the chargeback, they would refund me the money - and STILL no refund. Citi is complicit in its behavior to this fraud.
Consumer complaint received 2021-01-28
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: Aqua Finance, Inc. (FL)

There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. AQUA FINANCE Inquiry : XXXX. XXXX, 2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The two XXXX  XXXX accounts are reporting to my credit report and they are reporting incorrectly and damaging my credit score. XXXX  XXXX reports to the 3 bureaus and they dates that the account was opened is different on all the bureaus. I have attached pictures of these accounts with the highlighted area that is not correct on all three. Being that they are suppose to report accurate information on all three bureaus from the same information received from XXXX XXXX this needs to be deleted from all three of my credit bureaus.
Consumer complaint received 2021-01-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is totally unacceptable. This is my second complaint due to the negligence the bureaus have displayed. On XX/XX/XXXX I sent in my first letter regarding the inaccurate, misleading, and false reporting items I noticed on my credit report. I received no reply from the bureaus because of this. I wrote them a second letter on XX/XX/XXXX. I have yet to hear any response from the bureaus. This is a violation of my rights. Section 611 ( a ) states that once a reporting agency receives a dispute within 30 days, the agency must record the current status of the disputed account or delete the account from the report. It has now been over 80 days since my original letter was sent. The bureaus have a payable up to {$1000.00} each I demand these accounts to be deleted for their inaccuracies and the negligence of the bureaus. I will not wait for another 60 to hear a response. This has been stressful and needs to be addressed.
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These unauthorized inquires I've sent on XX/XX/21 have been affecting my credit profile, and costing me thousands of dollars in interest that I cant get back, and also have been costing me job opportunities. It's been embarrassing for me and my family. It's already stressful during these times of covid, and I dont think I should be penalized for it. This is not a regular dispute. I have filed a complaint with the FTC and XXXX, and to my knowledge, I do not recall giving consent or written agreement for any of these inquiries. According to 15 US 1681 ( n ), and 1681 ( o ) this a direct violation of the law, and the fair credit reporting act. I need this problem to be handled expeditiously. I can not wait for another 30 to 45 days in the name of covid. I demand these accounts be removed immediately, please. I will file for litigation due to the stress thats being caused. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report.
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have been disputing since last XXXX with them and they have failed to follow the FCRA requirements. I don't understand why it is so hard to report accurate information and when they send a reply back they " update '' one thing to make it look like a human is actually reading these letters and they cant be because if they were they would have seen how inaccurate and incomplete this account is. I have attached proof of the review of their investigation as you can see there are still inaccurate things being reported and after 8 months of disputing and them failing to do their job per the FCRA its time for this to be DELETED.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

To : XXXX, Transunion, and XXXX. 
I am writing today because there are inaccurate reports on my credit. I tried to have them looked into by a repair company only to have them add the erroneous companies add it back to my credit changing the days to the current date as if the account just happened. It feels like I'm getting punished for looking into the errors. I'm also contacting the Consumer Financial Protection Bureau ( CFPB ) for help resolving this matter. Included is the list of erroneous reports. The reasons I'm calling them errors is because the days aren't correct, they are not the original debtors, and I have know way of knowing who or what I owe. Thank you very much for your attention in this matter. 
XXXX XXXX XXXX, XXXX XXXX