davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-05
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (TX)

Amsher Collections reported a collections account of {$2200.00} from XXXX XXXX XXXX to all three credit bureaus. This information is incorrect, and despite disputing it multiple times, it remains on my credit report. 

In XXXX, when the collections account was first reported, I called to request a debt validation letter and to dispute this erroneous information. However, a debt validation letter was not sent. In XXXX, I received a letter from Amsher Collections instructing me to call before XX/XX/XXXX if the account was not mine or if there was incorrect information being reported. I called on XX/XX/XXXX, disputed the account, and requested a debt validation letter, which should have been provided within thirty days of the debt being reported. 

I want to clarify a few points : 1. I paid the entire amount to XXXX when I closed my account in XXXX. 
2. I never owed {$2200.00} at the time of closure ; the remaining balance was paid in full to XXXX XXXX XXXX, and they unlocked my IMEI number to be able to move carrier. If the account had not been paid fully they would not have unlocked my IMEI number 3. On XX/XX/XXXX, Amsher Collections acknowledged inconsistencies during our conversation and stated that they would dispute the account, yet it has not been removed. 

When I saw an updated report on XX/XX/XXXX, I called Amsher again. This time, a representative informed me that they were no longer handling the account and instructed me to contact a law firm. However, the credit bureaus still reported Amsher as the collections agency for the debt. 

Here are the major issues I am facing : - The debt amount is incorrect ; I paid off the entire balance before closing my account with XXXX XXXX XXXX. 
- The debt continues to be reported as a collections account on all three of my credit bureau reports. 
- I called Amsher four times to dispute the debt and request a debt validation letter, but neither has been provided. 
- On XX/XX/XXXX, an Amsher representative acknowledged inconsistencies with the account and assured me it would be removed. 
- On XX/XX/XXXX, I called Amsher again and was told that they no longer handle the account and that a law firm is now responsible for it. This was surprising because no one had informed me of this during my previous calls, and no debt validation letter had been provided to confirm that the amount and debt were mine. 
- When I called the law firm using the number given by the agent, it turned out to be a non-working number.
Consumer complaint received 2024-11-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (CO)

I requested a lien release from this company on XX/XX/XXXX so I could get my title for a car that is totaled. XXXX XXXX has not sent it to my address on record as of XX/XX/XXXX. I have called XXXX times every week to figure out why it hasnt been delivered. Every phone call I am told something completely different and that it was sent out on XXXX and XX/XX/XXXX. I called today XX/XX/XXXX and today I am told that it was sent to a completely different state with my address. However in a different phone call a representative said to me that my address didnt exist that Ive lived in for 4 years. They said theyd push it through even though it isnt coming up. This has been an extremely frustrating process! Our totaled car is sitting in someones lot waiting for a title and in return a payment for the car.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

XX/XX/XXXX I noticed a drop in my credit score of XXXX points. Upon investigation I found I had an account in collections. IC Systems was reporting a {$200.00} delinquent account from XXXX XXXX I requested a copy of the bill and they did not provide it. I contacted XXXX XXXX  and they notified me they have no record of this. 

Additionally, when I had service with XXXX XXXX I lived in XXXX XXXX, FL. The date of original debt from XXXX was XX/XX/XXXX. In XX/XX/XXXX my home was destroyed by a category XXXX hurricane, my county was declared a national emergency. XXXX informed me any charges after a natural disaster in an area deemed national emergency by the federal government was not liable. 

I do not have a contract with IC Systems. I demand they remove this report from my credit on all XXXX bureaus.
Consumer complaint received 2024-08-21
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. (FL)

I just recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate. Can you reinvestigate the accounts listed below. 

Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX ). 
Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Consumer complaint received 2024-11-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: AMERISAVE MORTGAGE CORPORATION (FL)

I am writing to formally request assistance regarding a {$500.00} nonrefundable application fee charged by AmeriSave Mortgage Corporation for a HELOC application that I cancelled on XXXX XX/XX/year>, within 3 days of applying. I believe the company 's refusal to refund this fee, despite the early cancellation, warrants reconsideration and potential review by the CFPB. 

On XX/XX/year>, I applied for a HELOC loan with AmeriSave Mortgage Corporation and paid a {$500.00} application fee. However, after reviewing my financial options further, I decided to cancel the application and requested a refund on XX/XX/year>. I notified my mortgage banker who informed that that the application fee would not refunded. He cited Florida law, which allows for nonrefundable fees for completed applications. However, I believe this should not apply to my case, as the cancellation was requested almost immediately, before any final processing of the application was completed.
Consumer complaint received 2023-04-24
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-11-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION (NY)

While reviewing M & T Bank website for checking account options, I observed an offer for a sign-up bonus upon meeting certain conditions. I completed signup ( XX/XX/2024 ), including using the advertised promotion code, and met all required conditions as laid out in the clearly defined terms and conditions. After weeks passing without receiving the signup bonus, I contacted M & T bank to determine why. I was told that the promotion was intended for a specific region, despite there being XXXX  mention of that during signup or on the original promotion page. M & T has since added a zip code eligibility check, but this was not present at the time of sign up ( confirmed via archived website screenshot, attached, which did not contain a zip code check, and no mention of the offer being regional ) It is clear that M & T added the zip code check after the fact, as a clear case of bait and switch ( providing a promotional offer and then later saying it is zip-code specific after the fact ). 

Requesting the bonus ( {$500.00} ) be added to account as promised by the terms and conditions.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: I.C. System, Inc. (LA)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. I want these inquiries deleted because i have no knowledge and nI didnt authorize these companies to run my credit and that is fraudulent they are not connected open accounts or negative and closed. 
Ive made several attempts to reach out to creditors about the disputes that was successful but has yet to be removed.
Consumer complaint received 2024-11-01
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Harpeth Financial Services, LLC (OK)

Please refer to complaint XXXX and add this complaint to it. They finally called me back and agreed that they did make an error in taking over {$920.00} from my checking account. I spoke with XXXX. I asked for fees to be reimbursed that were incurred from there error causing an overdraft and returns in my account and they refused. I advised that if CFPB is unable to get resolution that I would be contacting the attorney general in my state.
Consumer complaint received 2024-08-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

I have XXXX loans on my account loan XXXX and loan XXXX that needed to be paid. Loan XXXX was a total of {$980.00} and loan XXXX was a total of {$1800.00}. I went on the website on XXXX to pay the total balance of {$2700.00}. I received a payment confirmation that this payment will be processed. On XXXX the moment was removed from my bank account and proceeded. When looking on the Mohela website it states I've only paid {$980.00}. 

I called customer service immediately and the calls kept getting dropped or hung up on. They said they are going to open up a research case to figure out where that payment may have went. I expressed that the money is already out my account and in their hands so please correct this. I was told that within XXXX business days I would get a response. 

I called back again the following week and was told that it could take up to XXXX weeks to figure out what happened. Mohela has taken my money, reported I still owe a loan to the credit bureaus and will not apply my payment. I have sent emails and tried reaching out to get this resolved and no one is helping.
Consumer complaint received 2024-11-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd. (MI)

On XX/XX/2024 I received a phone call from a person about a alleged debt, who would not disclose their identity as a debt collector or who the company was and no information about the alleged debt..on XX/XX/2024 I received a text message and though the text I discovered the message was for Harris & Harris a debt collector, the message was settlement offer not the validation of debt notice about the debt and my right to dispute my rights under the FDCPA has been violated according to 15usc 1692g 1692e 1692j 1692c ( a ) communication in connection with debt collection, false or misleading representations, furnishing certain deceptive forms, VALIDATION OF DEBT NOTICE...
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions 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 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and 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 reported to be removed/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. 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!
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I am writing to formally dispute the unauthorized inquiries listed on my credit report, which are fraudulent in nature, these inquiries appear on my credit file. 

As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite this efforts, your bureau has yet to resolve this matter satisfactorily. 

It is essential to note that the fraudulent nature of these inquiries has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, please removed these unauthorized inquiries from their records. 

Therefore, I am perplexed and concerned by your bureau 's continued reporting of these fraudulent inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 
XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-10-24
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: Experian Information Solutions Inc. (FL)

These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted Experian and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Consumer complaint received 2024-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (TX)

I have been trying to unlock my account to use my funds, I get my direct deposit from my job, it's been XXXX weeks I'm on the verge of being homeless and relapsing it has been 10 business days please help me I have a case reference number that I filed with citi executive unit Citi Reference Number : XXXX
Consumer complaint received 2024-11-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC (WA)

I am filing this formal complaint against Credit Control , LLC for ignoring my debt cancellation request while continuing their ongoing collection efforts despite my compliance with IRS cancellation procedures. 

On XX/XX/year>, I submitted a formal request to Credit Control , LLC for the cancellation of a debt pursuant to IRS Form 982 and IRS Form 1099-C due to a severe financial hardship I was experiencing. I provided all necessary documentation to validate my hardship and requested Credit Control , LLC process my application in a timely and lawful manner. My financial hardship was due to a service contract provider denying my auto repair claims after my engine was torn down. This financial hardship costed me {$7300.00} and I had to cancel my debt consolidation contract for $ XXXX, which included the accounts Credit Control , LLC purchased. 

Credit Control , LLC completely ignored my request, while continuing to attempt to collect the debt, which I believe is in direct violation of federal regulations regarding debt cancellation. I am concerned about these ongoing collection efforts, as I have made every effort to resolve this debt in good faith and in alignment with IRS guidelines.

Credit Control, LLCs disregard of my cancellation request has led to unnecessary stress and a decrease in my credit score due to false re
porting delinquency and I respectfully request that the CFPB investigate Credit Control, LLCs mishandling of my cancellation request and ensure they comply with IRS and federal debt collection guidelines. I am hopeful that this matter can be resolved promptly so that I may move forward without further disruption to my finances and credit.
Consumer complaint received 2024-11-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (CA)

On both my XXXX and my XXXX XXXX accounts, it says that I have a collection owed of {$510.00} from a company called Sunrise Credit Service. The original creditor says its from XXXX XXXX. It was opened on XX/XX/XXXX and I didn't notice it until it negatively impacted my credit on my accounts. It also has a random address listed in my credit from Ohio. I never once had a XXXX account ever nor ever took out this loan or ever been to Ohio. I tried to dispute through XXXX but they didn't do anything. When I call the Sunrise Credit Service they right away ask for my Social which I didn't feel comfortable giving because I have no idea what this company is at all or if its a scam.