davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Prince Parker & Associates (NC)

I requested the CFPB withdraw my first complaint so I could add the collections letter Prince Parker & Associates sent with a fake website address to the CFPB ( XXXX ). In my below complaint, it will address the fake site Prince Parker & Associates directs people to in order " to learn more about your rights under federal law. '' On XX/XX/year>, I paid XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX ). On XX/XX/year>, I received a call and spoke with XXXX at Prince Parker and Associates ( PP & A ) and informed her I'd previously paid XXXX XXXX XXXX XXXX. XXXX told me they'd not received notice that I had paid and I needed to call XXXX XXXX XXXX XXXX. I told XXXX that I already paid and she needed to call and confirm if she needed to. XXXX snapped at me saying it was my responsibility. I ended up calling XXXX XXXX XXXX XXXX and they confirmed they already emailed PP & A letting them know the account was paid. However, the representative at XXXX XXXX XXXX XXXX emailed PP & A again notifying them I had paid. 

Today, XX/XX/year>, I received in the mail a collections letter from PP & A. First, I would like to say, PP & A is clearly, intentionally misrepresenting information to customers. As you will see from the attached letter, I've highlighted where they refer customers to the CFPB for more information on their debt collection rights. However, PP & A is not referring people to the CFPBs actual site. They are referring people to XXXX  which does not bring you to a legitimate website. I decided to call PP & A today but was dreading calling them because XXXX has such a nasty personality. I called and XXXX picked up. She told me XXXX XXXX XXXX XXXX never told them I had paid ( which is untrue ) and told me I had to sort it out. I informed her it is illegal to collect on a debt that is no longer owed. She snapped at me and then hung up on me! 

This business needs to be investigated for their illegal collections tactics, as well as they should pull and review XXXX 's calls. I'm a paralegal and used to work for a third-party debt collection company in compliance. I listened to numerous calls and dealt with irate, escalated customers. XXXX should not be working for any company dealing with customers. She is the rudest and most unprofessional person I've ever spoken with on the phone. If this harassment continues, I will be hiring an attorney to deal with this situation, because they've already violated FDCPA, NC Collection Agency Act, and NC Debt Collection Act by harassing me on a debt that is not owed, after they've received numerous confirmations that the debt was paid.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. This account need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX Balance : {$6800.00} XXXX  XXXX XXXX Balance : {$21000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$8300.00} XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX : {$9000.00} XXXX  ( Original Crditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$320.00} XXXX XXXX XXXXXXXX Balance : {$7000.00}
Consumer complaint received 2024-09-24
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. (MS)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letter Wrong Personal Informations : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX NY XXXX.
Consumer complaint received 2024-08-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST HORIZON BANK (TN)

First Horizon Bank Claim XXXX  XXXX XX/XX/XXXX, I ordered a vehicle to rent from XXXX. The vehicle was not available. At the time, I asked that the monies that XXXX had ALREADY debited be forwarded to the next vehicle. The next vehicle was LESS than the amount of the first vehicle and XXXX never refunded me. I made this claim to First Horizon. The claim stated that I did not receive a refund from the company when they didnt provide the car because it was unavailable. First Horizon gave a temporary reinstatement of the funds and then, later, upheld the XXXX 's falsehood. They referenced another date and vehicle, not the one in questions. This is a quote from the email exchange with First Horizon : The car that I received was not at the same rate. They applied XXXX. So I was due a refund. I did not receive the XXXX because it was never available to me and they knew it. Even the owner of that vehicle was frustrated with XXXX because they had not taken his car off the app following damages that THEY WERE SUPPOSED TO PAY. Instead of a XXXX XXXX I got a XXXX XXXX. Do you think those were the same rates? 
I PAID FOR THE CAR I WAS IN AND IF YOU LOOK AT THE DATES AND THE WITHDRAWALS YOU COULD SEE THAT. 
I paid for XXXX cars - one which did not get used because the company should not have had it on the site. 
I sent the pictures. 
XX/XX/XXXX PURCHASE - XXXX XXXX XXXX XXXX XXXX DATE XXXX # XXXX XXXX {$260.00} XXXX Do you see a refund applied to my account for this purchase? 

NO YOU DO NOT. 
I did in fact attempt to rent another vehicle the following week through XXXX because I didnt not realize that his car WASNT EVEN SUPPOSED TO BE ON THE APP. They did put me into another car that time for the same price. 
As I stated previously, Im NOT disputing that transaction. I told you that Id made an error the first time but you apparently didnt read the message with comprehension. 

I am going to get my attorney on this and Im going to report it to the feds for bank reg e violations. 

XXXX XXXX Now, First Horizon has stated that I owe them the monies and I constantly receive collections calls from them.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (ID)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-04-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Credit Services Corporation, LLC (NC)

Paid off balance with the company. Was owed money by the surgeons office, they remitted this money not to me but to HCS. So, I contact HCS about them sending me a refund and was told it can take up to 60 days. Well, 60+ days later and they are researching. There is nothing to research, they owe me what came in from my doctor incorrectly.
Consumer complaint received 2024-03-31
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Consumer Credit Counseling Foundation, Inc. (CA)

On XX/XX/XXXX I paid the company Consumer Credit Counseling Foundation ( CCCF ) a one-time payment of XXXX XXXX dollars to start service. They set up a monthly payment of XXXX, but after doing some research I believe they are a fraudulent company, so I called to cancel services on XX/XX/XXXX. I have been calling for a week and they are giving me the runaround by telling me the person in charge of canceling the services is not available and they will call me back, but they don't call back nor let me speak with a XXXX. They gave me 60 days to cancel but they won't cancel the account. They continue to charge me for the service and are adding additional fees. In addition, the company sent me information about my account but it does not match my creditors information. I am concerned about this company using my financial information for fraudulent activities and identity theft.

The company is called Consumer Credit Counseling Foundation ( CCCF ). Their phone number is XXXX and email is XXXX and their website is XXXX XXXX XXXX
Consumer complaint received 2024-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 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 XXXX XXXX INQUIRY : XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-14
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

I was notified by Kohl 's department store on XX/XX/XXXX hat I had a payment due. The exact text message reads was " XXXX XXXX, Your Kohl 's card payment is due. Visit credit.kohls.com to pay. '' On XX/XX/XXXX I made the payment ( paid off the balance in full of {$100.00} ). According to my credit report, the payment was due on XX/XX/XXXX. My credit report is showing NO late payments preceding the month of XXXX. It also shows the card was closed in XXXX. I am not clear as to how Kohl 's reported the payment XXXX  days late when the due date is XX/XX/XXXX ( the same day the text message came through ) and the payment was made in full the very next day. 

Additionally, I was never notified that a transaction was being submitted to the credit bureau. According to your website, a consumer must be notified ( and several methods are listed ) prior to being submitted to the credit bureau. The ONLY communication I received from Kohl 's was the text message listed above. I have contacted them twice. The second time I sent a letter with all the accompanying documentation to include a picture of the text message, a picture of my credit report as well as a picture of my bank statement showing when the payment was made. I have just received another letter saying they have reviewed all of my documentation and will not reverse their original decision. 

In short, I was contacted on XX/XX/XXXX of a payment due, I made the payment as soon as banks opened on XX/XX/XXXX and sometime between XX/XX/XXXX and XX/XX/XXXX I was submitted to the credit bureau as having a late payment. This is impacting my XXXX XXXX and I would ask for that negative item to be removed.
Consumer complaint received 2024-08-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: FIFTH THIRD FINANCIAL CORPORATION (MA)

I sold my car to XXXX on XX/XX/XXXX. When I sold my car to them, I sold it for {$22000.00}. I still owed {$20000.00} to XXXX bank so XXXX wrote me a check for the difference that day ( {$1800.00} ) and planned to disburse a check to XXXX for the remainder of the loan. I had an upcoming payment on the loan that XXXX advised I pay and I ended up ( by accident ) paying {$1500.00} towards my car loan before XXXX sent their checks. 

On XX/XX/XXXX, XXXX sent XXXX checks to XXXX bank to cover the balance of my auto loan : Check # XXXX In the amount of {$20000.00} and Check # XXXX in the amount of {$24.00}. I tried to request that XXXX sends copies of these checks, but didn't have luck other than getting the check numbers. 

XXXX bank only records receiving a check in the amount of {$18000.00} on XX/XX/XXXX. XXXX bank has told me on multiple calls that I should not expect to receive a refund for any overage received because XXXX bank does not record receiving an overage. Given these amounts, there is still an outstanding amount owed to me, the consumer, of roughly {$1500.00}. 

I believe that I am owed a refund for the overage received by XXXX bank. XXXX claims to have records of sending the correct amounts. I have talked several times with XXXX bank and they asked for the check reference # s to be sent to XXXX, which I sent on XX/XX/XXXX and still have not heard back. Each time I call is increasingly unhelpful. 


Here are my references for this case at XXXX bank. 
XXXX Account # : XXXX Request # : XXXX
Consumer complaint received 2024-08-05
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. (CT)

In accordance with the Fair Credit Reporting act XXXX Account #, XXXX has violated my rights.

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
Consumer complaint received 2024-06-28
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)

According to the FAIR CREDIT REPORTING ACT, SECTION 609 ( A ) ( 1 ) ( A ), YOU ARE REQUIRED BY FEDERAL LAW TO VERIFY THROUGH PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT-ANY AND ALL ACCOUNTS YOU POST ONA A CREDIT REPORT. OTHERWISE, ANYONE PAYING FOR YOUR REPORTING SERVICES COULD FAX, MAIL, OR EMAIL IN A FRADULENT ACCOUNT. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, XXXX  ACCOUNT LISTED UNDER INQUIRIES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 

15USC1681 SECTION 602 ( A ) STATES I HAVE A RIGHT TO PRIVACY.

15USC1681 SECTION 604 ( A ) STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

I DEMAND THAT YOU REMOVE ALL THE ABOVE ACCOUNTS FROM MY CREDIT PROFILE IMMEDIATELY AND THE CREDIT FILE BE UPDATED. 

***PLEASE REMOVE ALL NON ACCOUNT HOLDING INQUIRIES. 


THANK YOU, YOUR NAME : XXXX XXXX
Consumer complaint received 2024-07-12
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. (FL)

Hello ; i have tried so many times to report this inaccurate information to Experian but they continue to report false, misleading and inaccurate information. Please find enclosed my latest complaint I sent to them showing them this alleged debt does NOT belong to me
Consumer complaint received 2024-07-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC (FL)

Property closed on XX/XX/XXXX via United Wholesale.

Mortgage servicer was transferred to XXXX XXXX on XX/XX/XXXX. 
I discovered in XXXX, XXXX that a tax certificate was issued on my property due to non-payment of XXXX taxes that were due in XX/XX/XXXX. 
I promptly contacted XXXX XXXX who agreed with me - and paid the outstanding tax certificate with interest and penalty in XX/XX/XXXX. 
However, the bulk of funds used to pay these overdue taxes were from my XXXX escrow account! I am now almost completely wiped out and owe almost {$6000.00} for XXXX taxes. A letter asking for increased escrow has come. 
More disturbing is that XXXX county taxes were identified on the closing statement as {$4000.00}. Instead of XXXX paying the property taxes or putting the money in XXXX escrow for XX/XX/XXXX payment, nothing was done. Several calls to the title company revealed that they had no responsibility- I am told XXXX provided the tax amount and United should have paid the taxes.
Consumer complaint received 2024-07-06
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc. (NC)

Account XXXX XXXX National Credit System 15usc1692c ( c ) this law clearly states If a consumer notifies a debt collector that a consumer refuses to pay a debt, the debt collector must cease all communication. I have not done business with this company and this company has communicated a debt on my credit report which is in violation of said law.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My name is XXXX XXXX and I currently reside at XXXX XXXX XXXX XXXX XXXX, CA XXXX. My date of birth is XX/XX/XXXX and my Social Security Number is XXXX. I am writing to you regarding a few discrepancies I have encountered in my credit report. I am a victim of identity theft and I need your help to remove these fraudulent accounts. While checking my credit report, I noticed accounts, I did not authorize were made by the following that I will be listed below. I did not authorize any of these employers/employees at these companies to approve or view my credit report. This is a serious breach of my privacy rights and violates the Fair Credit Reporting Act 605B. I would like to request that these accounts and addresses be immediately removed from my credit file that Equifax has under my Social Security Number. I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days of receipt of this correspondence. Please block this fraudulent information per section 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. My address is not being reported. Add my current address to my credit file. My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I also found fraudulent addresses, inquiries, and collections. 
XXXX XXXX! 
XXXX XXXX, XXXX Inquiry date : XX/XX/XXXX FROUDULENT ADDRESSES! 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX FROUDULENT ACCOUNTS! 
XXXX Balance : {$210.00} Balance updated : XX/XX/XXXX Credit limit : {$500.00} Account number : XXXX Open/closed : Closed Date opened : XX/XX/XXXX Account type : Revolving XXXX Balance : {$1100.00} Balance updated : XXXX XXXX, XXXX Credit limit : {$750.00} Account number : XXXX Open/closed : Closed Date opened : XX/XX/XXXX Account type : Revolving XXXX XXXX Balance : {$340.00} Balance updated : XXXX XXXX, XXXX Credit limit : {$420.00} Account number : XXXX Open/closed : Closed Date opened : XX/XX/XXXX Account type : Revolving FROUDULENT AUTO LOANS! 
XXXX XXXX Balance : {$19000.00} Balance updated : XX/XX/XXXX Original balance : - Account number : XXXX Open/closed : Closed Date opened : XX/XX/XXXX Account type : Installment FROUDULENT COLLECTION! 
XXXX XXXX XXXX Balance : {$360.00} Balance updated : XXXX XXXX, XXXX Original balance : {$360.00} Account number : XXXX Date opened : XX/XX/XXXX Account type : Open Account Status : - Status updated : XXXX XXXX