davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (HI)

In XXXX of this year I started receiving calls from a debt collection agency named Procollect based in XXXX Texas. They stated that I owed a debt in the amount of XXXX dollars from an apartment complex named XXXX in XXXX Florida. I informed them that I lived in XXXX Hawaii and could not have possibly rented an apartment in Florida. They asked for proof that I lived in Hawaii and I sent them a W-2 from my employer here in Hawaii which had my address from the previous year. About a week later I received a call from them stating that the proof was not good enough and they needed me to file a police report about identity theft. I told them that this was the one and only thing that popped up on my credit report and that it must just be a case of mistaken identity. I also informed them that XXXX Police had no jurisdiction in Florida and that in order to file a report I would have to physically go to Florida to file. This would cost around XXXX dollars to complete. They then stated that it would be the only way they would stop calling. I then contacted XXXX  apartments and spoke with their bookkeeper. She informed me that my name was not on file as owing a debt. I took her number down and contacted Procollect to have them contact this person. They refused and since then have called me a minimum of 3 times a week for the past 6 months.
Consumer complaint received 2019-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Credit Bureau was made aware I was a victim of identity theft of which the listed item reported may be a result. I have no knowledge of this account as it is listed with redacted account number XXXX. I have never done business with XXXX XXXX XXXX. 

Desired resolution : Delete & Block item/items immediately pursuant to Section FCRA law section 609
Consumer complaint received 2019-11-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Here we go again! 
After numerous letters to creditors and credit bureaus both info furnishers ( creditors and info colletors ( credit bureaus ) still denying me my rights under FCRA 611 ( 15 U.S.C. 1681I ). 
Several times l called Creditors, l was told numerous times that name I'm giving does not match their record, therefore, they can not talk to me about the listed accounts below. 
Wrote letters it was returned undeliverables ( please see attached ) Wrote several letters of dispute to TransUnion Credit Bureau and XXXX  to no avail l was told several times that creditors provided certify copies that the following accounts belong to me. TransUnion and XXXX  refused to provide me the proofs of said certification or methods of disputes under FCRA 611. 
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 Some of these accounts are business account that has no RELATIONS to me, and some of these accounts are under XXXX XXXX XXXX this not my name My right name is XXXX XXXX Wishes XXXX resolves this matter asap for me the environs of business favoritism embolden TransUnion and XXXX  to care less about little MAN like me. 

Notion that an enterprise like ( TransUnion and XXXX  ) can just reports whatever without consequences is insane. 

Sincerely XXXX XXXX
Consumer complaint received 2019-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (GA)

I have informed XXXX  on numerous occasions via mail and fax that I have been a victim of Identity theft of which the listed item that have been reported on my credit profile may be a result. I have no knowledge of this item or accounts as they are redacted, and I have also requested proof of the verification method XXXX  has used in order to investigate and procure proof this item is accurately reported. 

XXXX had informed me to communicate with the creditor CITICARDS CBNA to request removal of which I have and never received a response no proof of the item 's permissible purpose and documents relating to the contract. 

I have never done business with CITICARDS CBNA RESULTING IN ACCOUNT NUMBER XXXX My desired resolution is for these items to be removed immediately pursuant to the FCRA law section 609
Consumer complaint received 2019-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

This is my second complaint to regarding this collection account. I do not owe XXXX/XXXX {$890.00}. I called ERC with the orginal creditor XXXX/XXXX   XXXX last week. The representative also stated that I do not owe that amount. The rep my wife spoke with at ERC refused to remove account from my credit report even though he was told the information ERC was furnishing was incorrect. At this point you all are intentionally not only trying to collect a debt that I do not owe, but you are also knowingly reporting inaccurate information to all 3 of my credit bureaus.
Consumer complaint received 2019-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (GA)

Credit Bureau made aware I was a victim of identity theft of which the listed items reported may be a result. I have no knowledge of these accounts as they are listed with account numbers and I have never done business with Hunter Warfield Inc. 

Desired Resolution : Delete & Block item/items immediately pursuant to Section FCRA law section 609
Consumer complaint received 2019-11-06
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. (NC)

XXXX ; Experian and XXXX  are reporting incorrectly a collection in the amount of {$540.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This collection was pay to delete however, the balance is still reporting on my credit report. I have attached a copy of the receipt from XXXX dated XXXX for payment in full of {$540.00}. This false reporting of a collection is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (FL)

I applied to Discover Bank for a credit card in 2018 after receiving a promotional offer for balance transfers and purchase charges of 0 % for 14 months. Discover Bank failed to honor their promotional offer, and began charging interest on purchase charges after 6 months. I called multiple times to dispute these interest charges and requested a credit back for them. Discover refused and suggested the promotional offer did not apply after 6 months despite the fact that it did. I requested proof of the original contract three times. Each time Discover promised to mail me the original agreement - and each time they failed to do so. I have attached to this complaint a copy of Discover 's promotional offer as it appears on their website today.

The interest charges on my account are currently approximately {$230.00} per month. While the amount varies month to month based on activity, at this time Discover has overcharged me by well over {$1000.00}, and will not refund or credit back the overcharges and refuse to honor their 0 % promotional offer for purchase charges.

Based upon Discover 's actions, they have improperly reported my account to the three major credit bureaus and are in violation of the Fair Credit Reporting Act. In addition, banks must send an interest rate increase notice at least 45 days in advance of the increase. This is a requirement of the Truth in Lending Act, a Federal law that protects consumers against lenders. Discover has violated this law by its failure to notify me of the increase in interest rate on my account.
Consumer complaint received 2017-07-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (GA)

I n  XX/XX/XXXX , I w as resubmitting an application for housing at the apartment complex I was residing due to the complex being bought by another company. I was informed at that time {$5000.00} was on my credit report from Rent Recovery Solutions. I was also told  Rent Recovery had in fac t put another charge of {$5000.00} on my credit, both reported  on  XX/XX/XXXX . I  have disputed both of these charges with Rent Recovery Solutions and the credit reporting agencies as well and yet it remains! Because of this, I have been homeless for th e last 7 almost 8 m onths. As I have continuously explained, I never signed a contract with this company. I can not even begin to fathom how a company can charge a person  XXXX  different amounts and on the same day! It is beyond maddening that NOT  ONE single   person can see there is an issue!
Consumer complaint received 2019-11-08
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. (MI)

My credit monitoring service alerted me that XXXX XXXX XXXX pulled my Transunion credit report on XXXX XXXX, 2019 twice. I believe these two inquiries belong to someone else because I did not apply for any account with XXXX XXXX XXXX in XXXX 2019. 
On XXXX XXXX and XXXX XXXX, I called XXXX credit card application status. They could not locate any application with my social security number. And they can not help with removing the wrong credit inquiries. 
I also called Transunion to request an investigation and remove the wrong inquiries, but it was unsuccessful because they required a statement from XXXX to request the removal of the inquiries. 
At the moment, it is difficult to contact XXXX for help.
Consumer complaint received 2017-01-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

In XX/XX/XXXX, I called XXXX to pay all balances in full through phone, and the XXXX representative agreed and confirmed that the account was CURRENT. Then, I requested the account to be closed. 

Upon checking my annual credit report on XX/XX/XXXX from the XXXX credit reporting agencies : Experian, XXXX, and XXXX, I have found that my credit reports showed my closed XXXX account was " 30 days past due ''. 

On XX/XX/XXXX, I wrote a letter to XXXX and requested an investigation to resolve the issue. In the letter, I provided XXXX with full name and account number. 

On XX/XX/XXXX, XXXX wrote me a letter to request me to send XXXX the full card number which I did not have because I already destroyed the card when I closed the account. 

On XX/XX/XXXX, I wrote a letter to XXXX to explain them that I no longer possessed the card and therefore was unable to provide the card number. However, I gave them my social security number and date of birth including the full account number, and requested XXXX to investigate. 

On XX/XX/XXXX, XXXX responded in a letter stating " Our records indicate that the information appearing on your credit report is correct '' without providing any physical evidence and detail how XXXX came to that conclusion. 

I do not agree XXXX conclusion without providing any physical evidence to prove that the payment was late in XX/XX/XXXX. Furthermore, I do not agree with XXXX tactics to delay the investigation by requesting the information that was already provided such as account number. 

Since XXXX is not able to provide any physical evidence that the payment was late in XX/XX/XXXX, I request XXXX to notify the XXXX credit reporting agencies : Experian, XXXX, and XXXX to remove or delete the negative item on my credit report.
Consumer complaint received 2015-06-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (OR)

IN XX/XX/XXXX, I CO-SIGNED A PHONE SERVICE FOR MY GRANDSON. XX/XX/XXXX I HAD MY NAME TAKEN OFF AS A CO-SIGNER, AND ANY AND ALL FUTURE CORESPONDENCE WENT TO HIM. I HAVE BEEN HARRASSED AND HAD CONSTANT PHONE CALLS WHICH CAUSED ME TO HAVE MY PHONE NUMBER CHANGED. I HAVE TOLD " DIVRIFIED CONSULTANTS '' I DO NOT OWE THIS BILL, WHICH IS {$1100.00}. I AM A XXXX XXXX AND GO OUT OF MY WAY TO SEE THAT ANY AND ALL OF MY OBLIGATIONS ARE TAKEN CARE OF. WHY DO I HAVE TO PAY THIS BILL WHEN I NEVER OWNED A XXXX PHONE OR MADE OR USED ANY OF THEIR SERVICES. TODAY I LEARNED THESE PEOPLE HAVE FILED A JUDGEMENT AGAINST ME. AND HAVE RUINED MY CREDIT. I HAD APPLIED TO MY BANK FOR A USED CAR LOAN AS MY XXXX BUICK WANTS TO RETIRE. AND WAS TOLD I WOULD NOT BE ABLE TO GET A LOAN BECAUSE OF THIS FALSE ATTEMPT TO COLLECT A LOAN I DO NOT OWE AND WOULD HAVE TO PAY OFF TO PREVENT ANY MORE DAMAGE TO MY CREDIT..THIS HAS KNOCKED ME FOR A LOOP TO BE TOLD BY MY BANK OF WHICH I HAVE ALWAYS BEEN IN GOOD STANDING. THAT I NOW HAVE A JUDGEMENT AGAINST MYSELF. THANK 'S FOR LETTING A OLD LADY TELL HER TALE OF WOE.
Consumer complaint received 2015-05-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (PA)

Our property tax bill was sent to us and the mortgage company in early XXXX 2015. The early payment date is XXXX/XXXX/15. The mortgage company has not yet paid it, they do n't know when they 'll pay it and they have {$2700.00} in escrow available for a {$560.00} bill and a {$17.00} bill ( we have XXXX parcels each taxed independently ). Multiple requests to the vendor go without resolution. Now, our homeowners insurance is due in XX/XX/XXXX and I highly suspect that wo n't be paid on time either.
Consumer complaint received 2015-08-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: FirstPoint Collection Resources (NC)

I have an account that is fraudulent that have been listed with your agency and have been listed with various credit reporting agencies with this false information. ... that needs to be removed i have gone through alot of trouble to get this taken care of I have filed a police report and a ftc id theft affidavit ...
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

To whom it may concern, Under 15 U.S Code 1618B Permissible purpose of consumer reports ( a ) IN GENEREAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX never gave Experian any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX
Consumer complaint received 2017-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Credit reporting agencies not providing a updated credit report with update scores. Not deleting negatives wordings, and collections after Bankruptcy XXXX XXXX, Texas Federal Judge Discharged bankruptcy XXXX on XXXX XX,2016. This is a major Retaliation and Discrimination against me as a XXXX Military Veteran. There is many errors on my credit reports.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Consumer complaint received 2019-11-06
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. (CA)

On XX/XX/2019, I filed a dispute for a collection I noticed on my credit report. The estimated date for completion of that dispute was XX/XX/2019 and as of this day, XX/XX/2019, I still have not heard anything or received any results. I would like this negative listing taken off my credit report.
Consumer complaint received 2016-07-03
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has been fraudulently charging us for a late payments on our HELOC In XXXX XXXX (? not sure of date ) our HELOC converted to a fixed payment amount to pay the principal & interest from an interest only loan - XXXX never listed that we had " missed a Payment until XX/XX/XXXX '' When they listed this late payment that dated back to the original conversion date, they began charging us a late fee with no notification to us that the payment had ever been missed or that we would now have to pay a late fee. I wrote to your department to complain about this. I was working with a woman named XXXX - XXXX never returns phone calls or follows through - She never leaves clear messages so it 's VERY DIFFICULT to hear what number to call her back on when she does call ( after I make 20 calls in a single day trying to get her to call me back ). 

I offered on 4 different times on back & forth phone calls to make the missing payment & have the bank backdate the payment to the original date when we supposedly " missed '' a payment - but XXXX would say she 'd ask and get back to me and then disappeared and never called me back after multiple calls to her office. ( BofA never sent a single notice showing this " missing payment '' until XX/XX/XXXX when it mysteriously showed up on a random bill one day. ) BofA is charging us monthly late fees. I have offered to make the payment & have them backdate it but because they had already sent out XXXX interest statements for XX/XX/XXXX no-one at Bank of America wanted to bother to help us. They keep charging fraudulent fees. because they say that we are paying 1 mo. behind even though we pay our HELOC early each month & make additional principal payments - apparently they 've been using these funds to cover hidden fess and not notifying us this entire time??!! - We have an account manager and this issue was : 1 ) not stated or shown on our monthly statements 2 ) never mentioned by our account manager This is absolutely unacceptable. We want to make an additional payment for this mysterious " past due '' amount and have it backdated to XXXX XXXX when it originally due & have all associated fees & interest reversed. 

This is the second time I 'm writing about this issue because BofA simply will not respond to our request & XXXX wo n't call me back.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (SC)

I made a large lump sum payment in XXXX 2016. There was a calculator on the website that provided the pay off amount which included the interest amount due. The lump sum payment matched the exact amount shown as the " pay off amount '' for the larger of the XXXX loans. I instructed the phone representative to apply the amount to the larger loan on my account. Instead, I was told the payment will be applied to the total amount of both loans. In addition, interest was subtracted from the payment amounts applied to each loan. Today, I have XXXX smaller loan amounts that are drawing interest.
Consumer complaint received 2019-11-09
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. (FL)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature
Consumer complaint received 2015-11-19
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (NJ)

PHH Mortgage XXXX auto drafted an additional {$300.00} over the cost of our mortgage payment and applied it to our principal interest monthly for 4 months, from XXXX 2015 until we placed with our bank, a block on all debits from them in XXXX 2015. PHH was faxed in writing the correct debit amount, called numerous times, notified that we no longer wanted Automatic Payment Drafting and continued to draft unauthorized funds and when notified applied them to principal interest of our mortgage without our consent.