davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Eastern Account Systems of Connecticut, Inc. (AL)

I have submitted several request to have the inaccurate information removed from my credit report and provide proof of debt owed.  Eastern Account Systems  answered the initial complaint with the CFPB and by their own admission stated the name was not the same as mine and as they stated was missing a " letter ''. However, on the screenshot they mailed to me it was more than missing a letter. It was missing a letter and misspelled. Again, per the FCRA any inaccurate information CAN NOT be reported to the Credit Bureaus yet they are by their own admission reporting inaccurate information which if unresolved after this attempt I will be forced to seek legal action as well as report to the BBB. Also in their answer they stated  XXXX  as the original creditor with  ONE acc ount number but they are reporting  2 s eparate accounts on my credit report. Also they stated they are licensed to collect in Alabama but failed to provide entity number as I searched and there is no record of their entity in Alabama. Also requested they show my original account contract with charter showing where I opened this account. They only provide the same information as their initial response and no actual proof or information. I am emotionally stressed over this as this is the only collection account on my credit report and they are preventing me and my family from moving forward with personal matters that require positive credit history.
Consumer complaint received 2017-04-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Zealandia Holding Company, Inc. (IN)

Recently I began receiving phone calls requesting to speak with my mother who has been dead for more than 9 years. The first few times the caller hung up when we told them she was unavailable. Then they began asking to speak with me, or my mother. After I would " verify '' my name I would be asked to verify my social security number, or my address, date of birth and or email. When I would refuse to give my ss # the caller would become more aggressive and demanding saying I have an outstanding bill and need to pay the collection agency that they are with. Today ( XX/XX/2017 ) I thought I would make an attempt to clear up any misunderstandings. After a hostile " conversation '' with " XXXX '' ext. XXXX at the phone # XXXX I had to resort to filing a complaint with the Indiana State Attorney General 's office who then told me this was a scam and to file a complaint with the Federal Trade Commission. XXXX was extremely hostile and aggressive on the phone. Insisting that I verify personal information even though he called my phone number. He stated that my mother owed a timeshare company, XXXX, almost {$3000.00} and that I too owed that amount. I stated that she was deceased for over 9 years and that all debts from her estate were paid in full when her estate was closed. He insisted that I was named in this invoice and that I was being aggressive and hostile because I would not verify personal information and had hung up on calls when I was requested to give them this information. He continued to yell at me through the phone. When I asked for proof of a contract she said I would have to call member services to receive this documentation. 
I asked for his information and after several and specific requests this is what I was provided : XXXX. EXT XXXX XXXX Zealandi ( I verified the exact spelling ) XXXX XXXX XXXX. 
XXXX, N.C. XXXX These phone calls are extremely harassing. 

This company and any complies associated with this ( including the timeshare " XXXX '' ) needs to cease calling my home, cell phone, sending emails and mail. 

Any credit reports filed against me or against my mother need to be removed immediately.
Consumer complaint received 2023-11-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (NY)

In early XXXX, I received a summons from the company XXXX XXXX XXXX ( on behalf of Discover Bank ) for an amount owed of over {$12000.00} for a credit card opened in XXXX of XXXX. I called Discover to dispute the matter and was told that since they have a third party handling my account, I would have to go through them ( XXXX & XXXX ). I have since filed a dispute of the charges and filed a victim fraud claim with XXXX & XXXX, and as of this time awaiting to hear their investigation result. I have also filed a dispute of credit card report to XXXX and on XX/XX/XXXX received a letter stating a complete investigation which verified the accuracy of the XXXX XXXX, upon which I called XXXX and was advised to file further disputes through FTC. 

I contend that I am a victim of fraud and I did not open this credit card account with Discover. I was unaware of any activity associated with the Discover card in question and I was not sent any credit statements or late payment warnings.
Consumer complaint received 2023-02-20
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: EQUIFAX, INC. (CA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. please delete these items as soon as possible.
Consumer complaint received 2023-11-25
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC (NC)

My problem is with two companies - Shellpoint Mortgage and XXXX- I have been working on this problem since XX/XX/XXXX when I put the condo on the market. Apparently, we had XXXX submissive liens on the condo - one from XXXX for about $ XXXX and one from XXXX bank for {$0.00}. I had two buyers- one in XXXX of XXXX and one in XX/XX/XXXX. 

I was in constant contact with both Shellpoint Mortgage and with XXXX to get this resolved. I would walk away with no money - but could put this in the past. 

I have about 3 inches of correspondence - emails, letters etc going back and forth. XXXX would not work with Shellpoint. 

In XX/XX/XXXX, while still working with Shellpoint, I was informed that Shellpoint had foreclosed on the property in XXXX of XXXX - and sold the property with all liens cleaned up... 

Until I was notified again by both that I owed $ XXXX to Shellpoint and $ XXXX to XXXX.
Consumer complaint received 2022-12-19
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AR)

There were a series of fraudulent charges on my savings account dating from XXXX XXXX. My account was also locked by USAA and I was unable to log in. I called many times over the past week and a half and as of today I am being told that I am liable for the negative {$10000.00}. Before the account was overdrawn, I had a balance of {$4500.00} that I am also missing. In total, I am missing {$15000.00}. USAA has decided to stop doing business with me. Not only do I not have any money now but I also don't have car insurance anymore because It was through USAA as well. USAA continued to try and make me pay back an overdrawn account while I was still trying to dispute the charges. They were persistent in telling me that I am liable and that it is clearly not fraud. As a service member, I legally can not be in debt or have bad credit. This was 100 % fraud. 

The red has marks in the image attached below are all of the fraudulent charges.
Consumer complaint received 2017-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

Walmart on 6 c onsecutive times sent damaged and poorly packaged products to my home. I filed a complaint with the BBB and got some help only to have it happen  XXXX  more times. I tried to pay off my account and the drop down box scrolled to  XXXX   XXXX   XXXX   XXXX  bank instead of  XXXX   XXXX   XXXX  which I had selected. A few days later I saw that  XXXX  returned the payment and charged me {$29.00}. I went back into m y WALMART  Credit Card and REMOVED the  XXXX   XXXX   XXXX  union from my payment options so that it would never happen again and payed with  XXXX   XXXX   XXXX . My account is payed off. Even though this is the first time it happened and I formally contacted both th e Walmart Executive Office and   Synchrony Bank the issuer of the credit of the credit card. Today I get a letter dated  XXXX / XXXX /  XXXX   that my payments were returned too many times? WHAT? Today I get a letter dated  XXXX / XXXX /  XXXX   in response to my formal complaint and explanation that everything is okay with my account. Today I go online and my account is closed for having too many payment returned. Say What?
Consumer complaint received 2017-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

TODAY I ATTEMPTED TO OBTAIN MY FREE ANNUAL CREDIT REPORT WITH EXPERIAN BEING I ENCOUNTERED A PROBLEM AND I WANTED TO MAKE THAT THERE WAS NO FRAUD REPORTED. UNFORTUNATELY EXPERIAN REFUSED TO PROVIDE ME A COPY OF MY FREE REPORT AND THEY WANTED ME TO RECEIVE MY REPORT NUMBER BY MAIL OF WHICH I DO NOT KNOW WHAT THIS MEANS.     UNFORTUNATELY I CAN NOT CALL THEM AS THEY ARE CLOSED AND I CAN NOT CALL THEM IN THE DAY TIME AS I WORK AND CAN NOT GET ON THE PHONE.     I WANT EXPERIAN TO PROVIDE MY FREE ANNUAL CREDIT REPORT SO THAT I CAN MAKE SURE THERE IS NO FRAUD ON MY REPORT.
Consumer complaint received 2017-04-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (WI)

Ocwen miscalculated my property taxes and as a result, my monthly escrow amount is {$1700.00} instead of {$700.00}. About a year ago, my property taxes got paid twice by Ocwen. My county refunded Ocwen the overpayment amount. Ocwen then calculated my taxes based off the double payment showing I was short, even though I was n't and Ocwen received a check for the overpayment. It is very frustrating because Ocwens XXXX call service center recognizes the error and every time I call to have my escrow recalculated to my correct tax bill, I am told it takes up to ten days and " I will put in a request ". Nothing happens. For a company so large to be so incompetent is beyond me. Unfortunately, Ocwen can see the error, but they wont respond. After reviewing the negative press surrounding Ocwen, I would think they would resolve customer complaints. Also, this is so simple and they ca n't fix it. Take my annual taxes divide by 12 months and you are done ... simple.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

On XXXX XXXX is five year date when the XXXX XXXX XXXX that antedates of a paid account can not reported on my credit report. All XXXX XXXX personal confirmed that they can not continue to report a paid charge beyond the first date of delinquency that was XXXX XXXX to XX/XX/XXXX XXXX XXXX  XXXX. I paid the full balance that resulted in a zero balance in accordance to New York State section 380 New York State law ( 380 j ( f ) ( 1 ) ( iv ) 2022 New York LawsGBS - General BusinessArticle 25 - Fair Credit Reporting Act380-J - Prohibited Information. ( iv ) accounts placed for collection or charged to profit and loss which antedate the report by more than seven years ; or accounts placed for collection or charged to profit and loss, which have been paid and which antedate the report by more than five years ;
Consumer complaint received 2023-02-13
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. (WA)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX 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 2023-05-02
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. (TX)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-23
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Greater Collection Agency Bureau, LLC (TX)

I allegedly owe for a " hot check '' from 2012 from a PayDay Loan and Greater Collections Agency Bureau calls from XXXX and keeps threatening to send out a process server. When I call them they rarely identify themselves and hang up on me when I ask questions about my rights. They do n't mini-miranda, when I asked if they were a collections agency they said they were acting as a mediator. I asked what that means and did not get a specific response. I believe this company, if they are even legitimate, are attempting to bully me into paying something I 'm not aware that I owe. They said they 'd send a debt validation letter, and when I asked what we can settle on they said they 'd call me back. They did n't call me back after 30+ minutes so I called back and they conveniently had an amount for me to pay. I still have no idea if these people are legitimate or not.
Consumer complaint received 2023-06-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC (MS)

On XX/XX/XXXX I sent validation letters to two collection companies it is now XX/XX/XXXX with no response from either company. 
1 ) Wakefield and Associates collection XXXX XXXX XXXX XXXX, XXXX, Colorado for the amount of {$640.00} I dont even know what this is for or if this is even my debt, I just want it removed 2 ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , Fl for 2 hospitals one the amount of {$2200.00} and {$1700.00} both were reported XX/XX/XXXX and I live in XXXX Mississippi , and was not even in the state of Arkansas or Oklahoma in the year of XXXX at all. I have requested that both of these collection companies removed the report from my credit, but neither one of them responded to my letter.
Consumer complaint received 2017-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I disputed  XXXX  inaccurate 30 day late payments on my credit report directly to Equifax. I submitted all documentation by certified mail on   XXXX   XXXX   XXXX   to Equifax including : record of my payment due date (  XXXX  each month min payment {$560.00} ) along with printouts of my Bank Statements, verifying the date the funds were withdrawn from my account for payment of my vehicle loan to  XXXX   XXXX . I noted the inconsistencies between the  XXXX  reporting bureaus of this account. I noted inconsistent accounting of the actual payment amounts listed on the account that were displayed in my credit report. I asked for the amounts paid and dates they were paid to be updated on my report. I explained that the credit union my loan was with got bought and the new credit union was not applying my payments correctly. I requested they look at my account of the prior loan company it was with :  XXXX   XXXX   XXXX  and take notice I never had a late payment before the buyout. No follow up to my request by Equifax giving a response. The file should be updated noting no late pays and payments made accordingly. No rely or actin was made in over 45 days.
Consumer complaint received 2023-11-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I received a call from XXXX from Bank of America and Merrill Lynch at XXXX about me wanting my bank funds and she had a problem with me accessing them to use as I like. So she placed a hold on {$16000.00} on XXXX XXXX and said that I should look for another bank to use. I have been dealing with Bank of America for many years and for this person to decide what she can do with my money is wrong. She claims shes the vice president of the bank and she can do as she pleases. This has caused my wife and family unnecessary stress and XXXX  and hardship as I have to keep finding ways to pay my bills without being able to access my funds that are all ready in my account. XXXX XXXX XXXX payment is coming due very shortly, can you please help me with this. Thank you. Sincerely XXXX XXXX
Consumer complaint received 2022-12-20
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: EQUIFAX, INC. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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. 

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 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (OH)

I took my daughter out of this XXXX and they continued to charge me. In addition to them checking her in on days she did not attend and I emailed director about it but no one ever responded then the center closed due to staffing issues. I cant talk to anyone there because the center is now closed and they changed staff in our short time being there. I do not owe anything and I want all credit bureaus updated. 

I let XXXX know in person first about my daughter not coming back then emailed them later on. You will see in the attaches that I messaged them about them checking her in on days she didnt attend and they never responded and now they reported {$350.00} owed and I dont owe anything.
Consumer complaint received 2023-07-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: PENTAGON FEDERAL CREDIT UNION (NJ)

In short, my student loans were all initially federal loans from the US Department of Education. I financed my entire education for XXXX, XXXX, and XXXX XXXX. I also paid my wife 's loans off as well. Several years ago Penfed Credit Union approached with an offer to consolidate my remaining loans. Seeing no other option as interest had compounded and my loan amount grew exponentially at a time I could not afford to repay I did move them to Penfed. Since then and over the previous repayment period, I have paid for what all three of my XXXX XXXX  XXXX costs at least one time. The interest that has ballooned my repayment amount shows I still owe {$130000.00}. I have working in poverty stricken public school districts in NJ for over 20 years. I have not been able to take advantage of the loan forgiveness program because my federal loans are with PenFed Credit Union. I would like to know if there is anything that can be done to forgive or reduce the amount remaining. 
Thank you. 
XXXX XXXX
Consumer complaint received 2023-11-25
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: CNG FINANCIAL CORPORATION (SC)

This company furnished my consumer report without my written permissible purpose.

The law states : 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I didnt give any written instructions for this company to furnish my consumer report under no circumstance.

The law states : 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;