davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Hillcrest Davidson & Associates (OH)

I was sick because of a XXXX of which now i have XXXX XXXX from the hospital directly, XXXX, and a XXXX because of my XXXX they advised me if i had any issues that they could be resolved of which when i was very very sick that they had taken advantage of me and my mental staite and condition of which i advised the installer of the home security system of and the company assured me of any issue that they could be worked out however they was not they Hillcrest Davidson and Associates sent me a letter threatening to take me to court which was illegal they didnt they just ruined my credit and charged me for 5 years of an alarms system because i missed some payments due to sickness in the amount of XXXX i call the company of which the security system came from they apologized to me for this happening to me but they said that they could do nothing for me, this company has left their home alarm service in my home of which they refuse to pickup and i am being charged for it and 5 years of service this is extortion for such a system and a 5 year contract at first i was OK but now after experiencing their customer service and that the collection agency is arrogant against me i just want this all to end and my credit returned and restored before them. under the Federal trade comission this is a XXXX fine that they should be fined for sending me such paperwork but i want the federal trade comission to contact the credit bureaus for what they said under my multiple disputes to have this removed and then contact the debt collector and fine them so that they cant lie about what was sent and communicated to me.
Consumer complaint received 2023-02-26
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: EQUIFAX, INC. (UT)

All 3 bureaus AND the creditor continue to report an account that has passed its 7 year stale date. The bureaus are illegally using " dispute '' dates to correct info that's wrong to add to the last reported or last payment dates, in an effort to favor the creditor to keep the accounts on my reports for longer than the 7 year time frame for negative debt. I have not had any contact with this creditor in 7 years. There's been no activity or movement on it. Therefore it expired in XXXX XXXX XXXX along with the creditor they acquired XXXX. 

It's months past time to remove both! If they are not removed promptly by all, I will not hesitate to sue the bureaus for inaccurately keeping info on my report, and adding incorrect dates in an effort to favor the creditor. The creditor doesn't care they'll go along with whatever the bureaus decide but if these 2 accounts are not removed with this dispute I will file suit against all 3 bureaus and the creditor if I have to include them for allowing the inaccurate info to remain on my credit. This is your only chance to remove both accounts. If they are not then I will see you in court.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: United Revenue Corporation (TX)

Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given to you written, un-written, verbal, and non-verbal per 15 USC 6802. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting effective immediately. I never gave authorization as I have never done business with this company. Never received a notice to opt out so I am opting out now.
Consumer complaint received 2024-01-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Betterment LLC (WI)

I am making this complaint solely against Betterment. 

On Friday, XX/XX/XXXX, I attempted to make two withdrawals from Betterment Cash Reserve account. The first withdrawal was from Betterment to XXXX. It initially appeared to have gone through without issues. The second withdrawal is from Betterment to XXXX XXXX. After attempting that withdrawal, I got an email ( see attachment ) saying that it is declined because Betterment needs to verify my identity with XXXX XXXX. I called Betterment customer support and did a conference call with XXXX XXXX XXXX XXXX said they don't do phone verification. Betterment customer support said transaction will be cancelled and money will return to my account. Call lasted about XXXX min. 

Today, I received an email ( see attachment ) from Betterment saying that once withdrawals are initiated they can not be cancelled. They said they needed my ID and a statement. They didn't verify what kind of statement I needed. So I sent both statements from XXXX and Betterment. 

After that, I called customer support. I was told my transaction is on-hold for both XXXX and XXXX ( not just XXXX ). Customer support also mentioned that they need to verify where the money is coming from not just where it is going to??? 

At the moment, I am suspecting that Betterment is stalling for time and they might not even have money. First of all these are my life savings, and I am deeply deeply concerned. Secondly, I have made similar substantial transactions in my lifetime with many other financial institutions. This is the first time I have experienced this. Thirdly, I am shopping for a house and may make an offer tomorrow. In addition, I am also planning to deposit funds in a CD. However, I have a deadline for that CD ( XX/XX/XXXX ). After which I lose that rate.
Consumer complaint received 2022-02-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

XX/XX/2021 I booked lodging reservations with XXXX. My trip was booked for XXXX and it was a total of {$690.00}. The agent at XXXX inserted my Name, Email and Mailing address incorrectly which was the reason why I never received a reservation confirmation. I contacted them and they told me I did not have any reservations with them. I contacted my bank -CAPITALONE to file a dispute. After XXXX days my dispute was denied because the vendor ( Getaroom ) provided them with documentation. I asked CAPITALONE to provide me with the documentation so I could review as well. Once I received the documentation I noticed my Name, email and mailing address information was incorrect and XXXX sent my hotel reservations to someone else. I asked capital one why did they accept this information if they new it was wrong and I was told well some of the information was correct. The only information thats as correct was my last name and phone number. I had capital one reopen my case and to investigate. They denied my case a second time and refused to look into it further. I filed a complaint over the phone and no one has called to address it. I also provided capital one with new reservations I had to make. 

Im not sure why and how Capitalone allowed the vendor to charge my card and the name and billing address did not match. The vendor did not provide a service and they took my money. 
Capital one refused to fight getaroom and assist me with this matter because of the terms and conditions getaroom has. 

Capital one should be held accountable for allowing the vendor to commit fraud. 

I had to submit a claim with the XXXX XXXX XXXX and XXXX XXXX has decided to give me a full refund. But Capital One shouldve helped me XXXX for the money they allowed them to XXXX!
Consumer complaint received 2023-11-22
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FORD MOTOR CREDIT CO. (NY)

I would like to draw your attention to the account that is erroneously listed as a late payment account. After reviewing my report, I found discrepancies in the accounts listed below. I contacted the creditor to obtain validation of the debt, but they didn't provide any supporting documentation. I request that you provide concrete evidence of the late payment status, and if such evidence is not available, I demand the immediate removal of the negative payment status associated with these accounts from my credit report. FORD MOTOR CREDIT COMP XXXX.
Consumer complaint received 2023-05-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC (NV)

Cavalry Portfolio Services has placed a collection record on my credit account for a debt that was discharged and is not owed by me. They have also left messages on my phone vaguely threatening legal action in an attempt to collect a debt. The reported collection has negatively affected my credit.
Consumer complaint received 2024-01-16
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. (TX)

I SENT A NOTICE TO OPT OUT AND REQUESTED FORM TRUST AGREEMENT AND CONSUMER CONTRACT.THEY NEVER PROVIDED ANY CONTRACT THAT LIST THEM XXXX OR XXXX AND I XXXX XXXX .IN ADDITION TO THEIR LACK OF DOCUMENTATION I WAS NEVER PROVIDED DETAILS TO OPT OUT AND NEVER AGREED TO DO BUSINESS WITH THEM. Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given to you written, un-written, verbal, and non-verbal per 15 USC 6802. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting effective immediately.
Consumer complaint received 2017-02-14
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: ROC Asset Solutions, LLC (IL)

API collection agency contacted my parents on XX/XX/2017 demanding that I pay my debt immediately. My parents contacted me and I contacted the agency. They demanded that I pay the debt owed by today XX/XX/2017 or they would be forwarding my case on to the county. The amount owed is {$280.00} and they are stating they can sue me for up to {$3000.00} including court cost and attorney fees. When I asked why I had n't been receiving any mail on this matter they stated they had been sending it. When i requested to what address they stated an old address for me and told me it was my fault that they did not have a current address. They are also accusing me of purposefully defrauding a financial institution. I have paid {$600.00} on this debt to date. They also claim that they are a mediation service, never stating directly that they are trying to collect a debt. They also claim to have recordings of all of our conversations but do not have a phone call monitoring disclosure.
Consumer complaint received 2024-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: COLUMBIA BANKING SYSTEM, INC. (OR)

Umpqua Bank did not provide the required escrow analysis for our loan XXXX the XXXX billing statement ( XXXX ). They stated that they were " having issues with their vender '', so none of their customers received a XXXX statement or escrow shortage Disclosure statement. 

Umpqua Bank adjusting my monthly payment on XX/XX/XXXX to include the adjusted taxes & insurance increases, as well as the escrow shortage without providing 30 days required disclosures, and options to pay the shortage in cash or request it to be added to my payments. I noticed the increased payments on XX/XX/XXXX when I went to make my XX/XX/XXXX payment. 

I had to call several times to receive the verbal response of, " your payments were adjusted due to an escrow shortage for taxes and insurance ''. I informed them that they must adjust my payments back to where they were until they've provided the required written notice so that I can pay the shortage in cash, if I so choose, only to be transferred to bank supervisors that were not in the mortgage department and had no knowledge and/or access to the mortgage department. 

On XX/XX/XXXX, I finally got someone to email me the required notice as they stated, " these notices should be mailing out to all our customers shortly ''. I have made the escrow shortage payment, and requested my payments be adjusted as the law required, but no reconciliation or adjustments have been acknowledged or adjusted by Umpqua Bank. 

My husband and I have XXXX mortgages with Umpqua Bank and they were both adjusted without the required written notice. Based on the response, I received on this issue, every mortgage within Umpqua Bank XXXX has been adjusted without proper disclosure.
Consumer complaint received 2017-03-13
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Law Office of Linda Strumpf (NY)

XXXX obtained a default judgment on a debt that was never verified prior to filing. At no time was I given any proof I owed money to XXXX. The default judgment is now for {$15000.00}, when the original principal balance as per the paperwork in the judgment was only {$3300.00}. I am being told by XXXX my checking account has been frozen due to a levy being placed on it for {$30000.00}. Now our mortgage payment and any of my other monthly bills can not be paid from this account. XXXX sold this debt in XX/XX/2008 and it was transferred 3 times, the last of which was XX/XX/2008. The case was in and out of the courts for 4 years, they kept postponing or not showing up. Now I have no access to my only bank account and need to pay my bills.
Consumer complaint received 2024-04-06
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. (IA)

I am expressing my profound disappointment and frustration regarding the handling of my many attempts to remove fraudulent items from my credit file. Despite numerous efforts on my part and the provision of extensive evidence, the response from your company continues to be inadequate, leaving me deeply concerned about the integrity of your processes and the impact on my financial well-being. 

Despite providing comprehensive documentation and evidence clearly demonstrating the fraudulent nature of the items in question, the responses I have received thus far have been unsatisfactory and have failed to provide any indication of progress towards resolution. This ongoing lack of accountability and transparency has left me feeling helpless and disillusioned with your company 's ability to handle this matter effectively. 

Conduct a thorough and expedited review of my case, with a firm commitment to prioritize its resolution. 
Immediately remove all fraudulent items from my credit file and provide confirmation of their deletion. 
Provide transparent and regular updates on the progress made towards resolving this matter, including specific timelines for action. 

Failure to address this complaint promptly and effectively will leave me with no choice but to escalate this matter to the relevant regulatory authorities and seek legal recourse to protect my rights and interests. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-16
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TN)

I requested via the 3 bureaus the info from this debt to include itemized calculations of debt, copy of contract or lease w my signature and other identification of who put this or allowed this debt to be in my name. Only XXXX has removed this debt on the basis that national credit systems is not licensed to collect in my state amongst other reporting errors. I have never lived in, went into contract, inquired for help or services or even seen these apartments before. I was never even sent a bill or notice. 

Requests were on XXXX XXXX XXXX XXXX XXXX XXXX refuses to acknowledge my disputes at all. 
XXXX keeps saying they have verified the debt on the same day yet fails to provide me with the manor in which they verified or provided me with a copy so that I may follow up with legal help in getting this erroneous debt off of my consumer report as I have never lived here National credit systems has several large debts under my name that occurred at the same time. I can only live in 1 apartment at a time. There is no physical way my children and I can live in this many apartments and accumulate such large bills across different states. 

NCS and the bureaus have not provided me or shown any proof that this debt is actually mine or who in fact signed my name for this debt. I have NEVER had any business with or any bills from this place.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (CA)

I called on XX/XX/24 to check the status of my credit protection and the agent let me know that the doctor didn't sign the forms for both credit cards and XXXX  # is missing. TO DATE none of the forms i submitted had a XXXX  number and was apporoved. Also the DOCTOR DID sign the XXXX form forvmy milestone ( see attachment )
Consumer complaint received 2015-07-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Concord Resolution Inc (Closed) (CA)

Hi, I 've been getting harassing calls almost daily for months ... 

The most recent ones are from a company they call " Concord Resolution '' in the voice mails and it 's a recorded robo voice when they leave a voice mail. 

They are very rude and threaten to pursue lawsuits for a supposed payday loan which I 've never made, straight up extortion. 

I 've asked them to NOT call me anymore that my number is registered on the do not call list via XXXX and telling them via phone to add me to their donotcall list because of all of these ridiculous calls. 

They call at all hours of the day. Today they called at XXXX and again about an hour ago. 

I receive calls like this daily. 

They have various phone numbers each time and I am tired of being threatened by people who I do not owe and should n't have my phone number in the first place. 

These are a couple numbers used often. 

XXXX. XXXX. XXXX. XXXX so on. 

Number 1 is the one that 's been calling multiple times within the last few days.
Consumer complaint received 2023-08-05
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. (CA)

I need to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Certified Services, Inc. (IL)

I would like to verify my debt and therefore I am writing to request an itemized bill for the medical services or treatments associated with my account. I want to verify the accuracy of the debt and understand the details of the charges. Also I ask collector to provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful.
Consumer complaint received 2024-01-16
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

XXXX  on XXXX violated myself and the tenants civil rights thus forcing a FHA/HUD filing XXXX XXXX  on XXXX and XXXX XXXX, president/CEO agreed to remove any and all charges in the settlement signing such on XX/XX/year>. To date, they did not adhere to the settlement agreement, thus signing in bad faith and causing the FHA/HUD to file with the appropriate parties to seek sanctions against them. As a result of the warnings provided to XXXX on XXXX and XXXX XXXX, ProCollect provided a letter stating the balance owed to them was now {$0.00}, but have not removed their collection attempt from my or the tenants credit reports as required, thus causing additional and further damages.
Consumer complaint received 2024-04-07
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. (FL)

It is illegal to report transaction history. Reports containing solely information related to transactions are to be excluded from a consumer report and undermine my privacy rights and withdrawn consent. The mailed and unaddressed letter listing the offending accounts is attached. No action has been taken by the CRAs in spite of the duties provided by the FCRA.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (TX)

After reaching out to SELF via email, I was told there was a remaining balance of {$120.00} on the Account with fees. I was told once paid my account would be updated. The update has not happened. 

Please see proof attached ....