davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Re : Request for Debt Validation Account Number : XXXX Dear EASTERN ACCOUNT SYSTEM, I am writing to formally request validation of the debt you claim I owe, as provided under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g, and the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2 ( a ).

It has come to my attention that you have reported an account to the credit agencies that appears on my XXXX report. I am disputing this debt as I believe there has been a violation of consumer protection laws. 
In accordance with 15 USC 1681b ( e ), I request the following : 1. The original signed contract : A copy of the original signed contract that verifies my agreement to the debt in question, including my wet signature.

2. Assignment of Debt : A clear documentation of the assignment of this debt from the original creditor to your agency.

3. Proof of proper reporting : Evidence that you are legally able to collect this debt.

Please be advised that under 15 USC 1692c, you are prohibited from communicating with me in any way until you have validated the debt as requested.

If I do not receive validation of this debt within 30 days, I require that you cease all collection efforts and remove any negative reporting regarding this matter from all credit reporting agencies, including XXXX, XXXX, and XXXX. 
Please send all correspondence regarding this matter to my address listed above. I look forward to your prompt response so we can resolve this matter swiftly.

Thank you for your attention to this serious issue.
Consumer complaint received 2021-11-03
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (IL)

I called PennyMac to look into a refinance. I was in luck! I was able to refinance from 3.75 to 2.625. All was good. 

I started the process with XXXX XXXX, XXXX. Filled out all initial paperwork and provided all requested documents. 

The issue began on Friday, XX/XX/2021. I was called by XXXX ( PennyMac ), and was asked to pay the {$100.00} fee to get the appraisal and everything started. I gladly provided him my debit card information, and he confirmed the {$100.00} transaction was completed and we were good to go. 

Saturday morning, I was informed by my Wife that we are missing our last {$100.00} in our account, and said I told her that PannyMac was only taking out {$100.00}.

Come to find out, PennyMac made 2 transactions into my account for {$100.00} each.

My account only had {$200.00} to begin with. I was to have {$100.00} left for gas for the week. They took everything I had. 

I emailed XXXX on Sunday as I knew all businesses were closed. I asked him to have it corrected ASAP. 

Today I am filing this complain on Wednesday, XX/XX/2021 as my money has not yet been returned, and my XXXX  XXXX children had to call into work last night as I was not able to pick them up after their shifts. My family is now incurring financial damages due to an error that obviously has no controls or protections around, nor any escalation or resolution procedures. 

As of now, I am sitting with {$1.00} in my bank account and my Wife may not be able to go to work tomorrow either. She is very upset and it is causing emotional distress for her and myself and my children. This has to be stopped so it can never happen to anyone again.
Consumer complaint received 2021-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America shows me a FICO score. When they do they provide misleading information about credit balances and ratios of revolving accounts. 

They provide messaging that indicates to a reasonable consumer that consolidating revolving credit balances doesn't generally help your FICO score, which is wholly inaccurate.

In fact consolidating revolving credit balances to a personal line of credit that is fixed at a lower interest rate helps you pay down your debt faster and also improve your FICO model XXXX credit score. 

I believe they are violating UDAAP, FCRA and misleading users of their credit score monitoring service.. to benefit the bank and harm the consumer.. by discouraging behaviors that would benefit the consumer and help the consumer lower their high interest balances with the bank.
Consumer complaint received 2021-11-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

I suspect that my identity may possibly have been stolen and that a possible crime has been committed by your corporation. Please see attached documents and Identity Theft Report. I have requested validation and no documentation has been provided. My right to privacy has been invaded because of this unauthorized use and permissible purpose has been violated due to sharing of these alleged accounts.I have attached FTC Report, Affidavit of Truth to FCO and Attorney General of Texas complaint.
Consumer complaint received 2021-11-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (FL)

I refinanced an existing mortgage and was given the closing statements that outlined how much money was required to be paid by me for escrow payments ( {$7500.00} ) to Amersave and how much I would be refunded ( $ XXXX ) by my existing mortgage company, XXXX XXXX XXXX. Prior to agreeing to pay the amount at closing, I provided AmeriSave a copy of my mortgage statement showing them that XXXX had ample funds to pay my escrow, however, they required me to pay it anyway. 

I paid it and a few days prior to closing, XXXX paid the escrow on my account and Amerisave 's title company sent a payment as well. The escrow company accepted XXXX ' payment and returned AmeriSave ' payment. After some time had passed, I reached out to AmeriSave to inquire about payment since the escrow was paid by XXXX and I was told that the insurance company would send me a check directly. In time I didn't receive anything so I reached out to both AmeriSave and the insurance company and Amerisave informed me that they were not sure what happened and needed to investigate. Meanwhile, the response I received from the insurance company was that a conference call was held between AmeriSave, the title company and the insurance company and everyone was clear that funds were returned back to AmeriSave.

I then reached out to AmeriSave again and inquired, but attached the email I received from the insurance company sharing the subject matter during the conference call, they said they would get back with me. I have continued to reach out and the last time they responded by email or returned my phone calI I was told that they had been busy with closings, but they needed to have a meeting with their staff that does the financials to determine how come they were so far off. 

I don't understand what is happening, they provided me with a loan that stipulated the conditions of the loan including the cost of the loan. Now it appears they are changing the numbers so not to pay me the monies I paid at closing. This is very suspicious and feels like predatory lending practices. I am over 60 years of age and feel vulnerable and powerless. They owe me money and won't return it. I am making my second mortgage payment on the new loan and still have not been made whole from the closing and don't have a timeline for when this will be resolved. 

I would appreciate any assistance you can provide. 

Thank you. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (PA)

Called Jefferson capital systems because a debt showed up from them on my credit report. I called to negotiate a payment but they told me they had no open account for me. When I disputed the debt, they sent the credit reporting agencies documents showing the debt was valid even though they currently hold no debt for me. They are fully aware of the fraud and do not care to correct it.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2024-10-12
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: CITIBANK, N.A. (NJ)

I just find few hard inquiries on my credit report which is not authorized by me. Name of the companies are XXXX ) XXXX XXXX, XXXX ) XXXX, XXXX ) CBNA/THD
Consumer complaint received 2021-11-02
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: Experian Information Solutions Inc. (FL)

I received a confirmed FREE CREDIT SCORE OF XXXX from Experian and that report proved to be wrong, incorrect, not what is reported to banks who confirmed when they pulled credit my score XXXX and full of notes. Furthermore as per prior complaints YOU NEVER resolved or acted on ... my comments were NEVER ADDED ... as usual with Experian chosing to SIDE WITH THE REPORTING BANK OR LENDER omitting critical information beneficial to me and us.. In my opinion if this is NOT COLLUSION nothing is.
Consumer complaint received 2021-11-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (FL)

XX/XX/2021 On XX/XX/2021 process was initiated to send money to my son in XXXX XXXX as I had done several times previously. After not receiving the transfer I called and was told there was a delay... later that day I received email requesting proof of my identity, which was provided by the means they requested. 

Called back on XXXX XXXX, and XXXX XXXX they said all was OK and would be solved in 4 hours. 

Nothing to this date. And this is the second time they do this with the same excuse
Consumer complaint received 2021-11-02
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: General Motors Financial Company, Inc. (MI)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have a loan with GM FINANCIAL. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.
Consumer complaint received 2021-11-02
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: Georgia Student Finance Authority (CO)

Hello, I took out a Private student loan with GSF ( Georgia Student Financing ) in XXXX. I was attending XXXX XXXX XXXX. I did not complete the degree at that school. However, there was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which was {$10.00} a month. As a XXXX mother at that time, I was XXXX and could not even afford to pay it. After some time went pass for not making the payments, it was sent to collections. The tricky part about the collection agency reporting is that it is not reported under the collection agency, but still under ( GSFC ). So although I had to call GSFC per credit report, I would only be redirected to a collection agency. The first one was called XXXX XXXX and now the second is the XXXX XXXX. 

My first Complaint : There is a 2nd duplicate account opened under the same company ( GSF ), it was opened in XXXX and closed quickly ( Unknown reasons never given ). I asked for this to be deleted because there is an original account with the same information still active. I have tried numerous times with no success in them deleting it and no explanation why a duplicate account was made when the original account was still active. 

My 2nd Compliant : After occurring all the late payments adding up ( {$50.00} ) it was over {$1500.00} and I owed only around {$3000.00}. Although I made the payments sometimes, it never helped my credit, it still said late ( because the amount I owed was more than I was paying ). I decided to pay it all off and in hopes would have it closed and deleted because it is 7 years old ( and is considered a personal, private loan ). I tried to have it closed and deleted, but yet they will not delete it from my credit report. It was opened in XX/XX/XXXX and it is now XX/XX/XXXX. By Georgia Law, I thought that personal/private loans are only given 6 years to pursue it, and It is all paid now. So I see no reason why this is so hard for them. It would help my credit so much if they would delete the XXXX payment history and delete the account. 

I have a hard time communicating with them because although they are on the credit report as if they are the on reporting it, they actually are not and it's a collection agency. So I am always going back and forth from them to collections, to my credit reporting companies. I really need help, it seems no one is listening or cares on this matter. As a XXXX mother, I am ready to start new and really need this.
Consumer complaint received 2021-11-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (MO)

I am in the process of selling my home. The title company and myself have made numerus attempts to get a pay off letter without any help. I am sent to close on XX/XX/2021 and if I don't get the pay off letter the sell will not happen and cause me major issues.
Consumer complaint received 2021-11-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

CREDIT COLL XXXX Balance {$170.00}
Consumer complaint received 2021-11-01
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. (CA)

XXXX XXXX is misreporting a balance to all three bureaus on a balance that was forgiven. Please see the attached 1099. This balance was should be reporting to the three bureaus as {$0.00}
Consumer complaint received 2021-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (TN)

XX/XX/XXXX received call from ( XXXX ) XXXX XXXX XXXX XXXX, stating they were serving me with papers and threatened to take legal action if i didnt pay an old debt to Wachovia bank that has since been paid. And when i advised the debt collector that the account was paid and closed and that i had spoken with an attorney of now Wells Fargo Bank provided me a copy of the debt paid in full letter, the representative got irate and loud with me and threatened me before hangin up on me. I had to call back to try to verify information that the rep initially refused to provide me regarding the debt and i emailed them a paid in full letter. Upon speaking with another a person the new rep stated they had no such account for me and when I asked to be taken off their call list, he hung up on me. Also, the amount they were trying to collect was a different amount then what was owed. 

This same company called me back in XXXX threatening me regarding the same old debt that was paid in full. They called family members of mine stating that I owed a debt and that they were trying to reach me. I was advised by the original creditors attorney that western assets group should not be contacting me and that they have been conducting predatory practices to obtain funds from consumers on accounts that have since been paid off.
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I Have sent multiple letters dating back to XX/XX/2021, and XX/XX/2021. I have yet to receive a response about my investigation in a timely manner. I have recently sent another letter regarding this manner on XX/XX/2021 and had this sent via certified mail from the Unites States Postal Service requesting changes to be made to my credit profile because they failed to respond to me at all. I feel as if i my request werent taken seriously and i was ignored. Ultimately i want the inaccurate information that is reporting to my credit profile removed. I have made several attempts to resolve this matter. Transunion needs to be held accountable for neglecting my request by not responding to them at all. My credit profile affects my life in the real world, and is causing me difficulties closing on a home.
Consumer complaint received 2021-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (CA)

I was scammed and unauthorized extensive charges were all made on XXXX on my AMEX CARD : XXXX XXXX {$200.00} XXXX {$200.00} XXXX {$400.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$400.00} AMEX rejected my claim of fraud. I phoned on XXXX and was told not to worry that they would take care of this - then I received my monthly statement with all these charges. Called this date XXXX spoke to 2 separate AMEX individuals and they refused to deduct these fraudulent charges. Been a AMEX customer is excellent standing since XX/XX/XXXX.
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Aargon Agency, Inc. (NV)

According to 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I did not give any consumer reporting agency permissible purpose or written instruction to furnish any reports on my behalf. The fact that AARGON COLLECTION AGENCY is reporting to my consumer report is a violation of 15 USC 1681 ( a ) ( 2 ). I have already tried to clear this issue with XXXX, but they use a stalling tactic to deny my requests and state that they don't have authorization to tend to this complaint but this is me and XXXX has my full consent to resolve this violation.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

Experian Credit Monitoring sent me a notice that XXXX XXXX XXXX had conducted a credit check on me. I have not had any dealings with XXXX XXXX XXXX. I have contacted XXXX XXXX XXXX and they are investigating. I have contacted Experian and they are removing the credit check. Experian encouraged me to file on the FTC website which has redirected me to this portal.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX CA, XXXX Please update my name to : XXXX XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/year> My only employer is : XXXX XXXX XXXX XXXX do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. Sincerely, XXXX XXXX
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

I relocated to South Carolina in XXXX. I went to open up a new bank account and I was denied. I was wondering why I was denied. I recieved this letter from someone I've never heard of. Clarity something to do with Experian? I have never heard of them and wondering why I wasn't notified about this other credit agency? So I contacted them asked them who they were upon my disbelief they have stuff on me that isn't even phesable. Why isn't consumers being told about these other agency 's? They are hindering me and my credit really bad and Iam asking that you close this. I haven't been perfect but Iam trying to improve my credit and stay on top of things. Then this makes no sense at all to me and why are they considered a credit agency? Clear back in XXXX and XXXX my life was hit with challenges now 7 years later this is showing up. I'm XXXX. Why haven't I been alerted about this its wrong and regardless if it's legit Iam requesting it to be removed.
Consumer complaint received 2021-11-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC (GA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

CONTRACT CALLERS account is inaccurately and erroneously reported in XXXX and XXXX Bureaus. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.