davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (FL)

In XX/XX/XXXX I filed a Chapt XXXX which was dismissed by the courts in XX/XX/XXXX due to a legal issue. I have worked with all XXXX credit agencies and both XXXX and XXXX have reviewed the Federal dismissal notice attached and have deleted this item except Equifax. This is causing me and my family hardship as it is affecting XXXX my son 's student loans that I am trying to help with and also blocking me from being able to choose other avenues to help them with furthering there future educational needs and costs. I was told by more than one Equifax agent that if I purchased Equifax services, then that would help me delete this negative item. The other XXXX credit agencies removed the negative item without asking for any additional payment or service. Why do I have to pay Equifax to remove something that is hurting the future of my family 's education? If they are doing this to me, I ask the CFPB to investigate how many other consumers they are trying to do this to. I am prepared to ask for a Congressional investigation if necessary and also have contacted Senator XXXX office on this subject. I am hopeful this can be resolved without involving other government agencies. The U.S government took exceptional steps to help consumers get back on their feet after the recession of XX/XX/XXXX- Example- Dodd/Frank. This action by Equifax stands in total opposition to what our regulatory commission have been working so hard to fix.
Consumer complaint received 2024-01-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (MI)

This company has violated my consumer rights and has defamed my character by attempting to collect an alleged debt and reporting it to consumer reporting agencies. Because of this I could not purchase a home or gain a credit card. I never gave this company my information or endorsed an instrument with them. Pursuant to 12 CFR 1006.6, more specifically subsection ( c ), this is a notice to cease all communications as the Fair debt collection practices act describes it which includes both direct and indirect communication on ANY medium except that you may ONLY communicate with me under the stipulations that you will send me validating information such as the entire purchase agreement ( and other validating data ) and/or to respond to ANY complaints from the Consumer Financial Protection Bureau ( cfpb ). In case this company feigns ignorance, I attached a screenshot of the XXXX website explaining how the FDCPA defines communication. I did not endorse an instrument with NCB MANAGEMENT SERVICES nor have they provided proof that I did with my wet ink signature, they only purchased a contract and are trying to collect without having it endorsed first which violates Uniform Commercial Code 3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. ( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. ( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. ( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Experian has XXXX names on my credit report, and not one is correct! I called them today and they told me I could not change this to be accurate. Having XXXX names listed makes me look unprofessional and could prevent me from getting additional credit. 
My legal name is XXXX XXXX XXXX XXXX and I also go by XXXX XXXX. I would like my credit report to reflect this.
Consumer complaint received 2024-01-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Self Financial Inc. (GA)

I been with Self Lender since XX/XX/XXXX XXXX  and XXXX of this year would have been 2 years. I referred my roommate. He asked could he make payments off my card if he give me the money. I said yes. 4 months before the end of my 2 year loan. Self close my account, disabled my login so I cant log in to make a payment. When I talk to them I get the run around. Now today they ask for documents of my payment methods and like I told them some banks wouldnt give me debit cards bc I had no credit so therefore I had to use some one else debit card. But none of my payment came back as fraud or anything illlegal. So when I asked the documents I need to send. They have no number to that department and I have to email them. I have not got a response yet. Instead of self helping me its hurting me. Im going to have missed payment on credit and possibly go into collections if they dont give me payment information.
Consumer complaint received 2024-01-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (VA)

I vehemently disagree with the Returned Check Fee and Returned Check Amount of {$63.00} that was assessed to my Lexus Pursuit Visa Account Ending in XXXX. 

I contacted XXXX about this matter and I was told that there is no record of any transaction in the amount of {$63.00} processed on XX/XX/ for checking account XXXXXXXX XXXX XXXX 

I am demanding all documentation and accounting from Comenity Bank Reference this disputed transaction. 

I have attached screenshots of my checking account statement.
Consumer complaint received 2024-04-07
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)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-01-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (TX)

I started calling XXXX on XX/XX/XXXX regarding a hail claim. It takes forever to get through their automated system. I think there were more than 20 questions and several were repeated more than once. I eventually agreed to leave my contact information to have someone call me back. It said I would not loose my spot in line if I left a message to call me back. No one called me back for the next three days so I called again. 

I called back on XX/XX/XXXX. Per my notes I was on the phone 42 minutes, then spoke to XXXX. He opened a claim profile and sent me the package. We had some discussion about my claim since it was over {$40000.00} where they want me to mail them the check and sign it over to them, whereby they would disperse when they were satisfied their requirements were met. XXXX told me since my initial check was under {$40000.00}, they would endorse it over to me so I could get the repairs started but once the total paid went over {$40000.00}, they would go into their more involved process where they required I endorse the funds over to them and then they would hold them in escrow until they sent inspectors out and were otherwise satisfied the work was done correctly. 

I sent in the insurance check with my cover letter on XX/XX/XXXX. Being the holidays, I did not expect an immediate response but hearing nothing for three plus weeks, I emailed and faxed the listed email and fax number on XX/XX/XXXX. Since I sent it late in the day, they probably did not get it until the XXXX. I received an automated email asking me to give them 48 hours to respond. 

Hearing nothing, I sent them a follow-up email and fax on XX/XX/XXXX. I received the same automated response. I received a read acknowledgement on the morning of XX/XX/XXXX. I have heard nothing more so I sent them another follow-up this morning. 

The roofer is ready to start the work but I need the check so he has the funds to get started. This should not take more than a month to turn around a check and it should not take more than a week to get a status update. 

I do not know why I should agree to sign over insurance proceeds to them so they can use my money for free if they are going to take more than a month to respond and ignore repeated phone calls, emails and faxes.
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance {$20000.00} XXXX XXXX XXXXXXXX Balance {$16000.00} XXXX XXXX XXXX XXXX  Balance {$14000.00} XXXX XXXX Balance {$1700.00}
Consumer complaint received 2024-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (LA)

I, XXXX XXXX called them twice in the past year. I noticed a negative mark on my credit, not knowing why because I just turned XXXX. I called the collection agency Procollect INC they said that theyve been sending letters and calling me to collect this debt. Which I never got, I didnt even have a phone nor my own address because I was a XXXX I mentioned that I disputed with them many of times for the account with the original creditor being made while a XXXX I sent an email to who Procollect INC told me with a copy of my birth certificate for proof of my age to Procollect INC. No one ever got back to me. Procollect INC also told me to try and contact the original creditor XXXX XXXX. I called the original creditor XXXX XXXX. They needed information like the account number and the number used to make the utility account. I didnt have any of that.
Consumer complaint received 2024-01-17
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: Experian Information Solutions Inc. (MO)

Experian notified me yet again about dispute that I can see online which is a LIE and when I call and tell them I am also recording the conversation again the none XXXX speaking person HUNG UP
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: PINNACLE FINANCIAL PARTNERS, INC. (VA)

I was a member on pinnacle XXXX back in XXXX for a short time in XXXXXXXX XXXX. A XXXX XXXX later, I made the decision to move back to XXXX XXXX to XXXXXXXX XXXX. I made the decision to close my account with Pinnacle and withdraw my remaining balance. After that I didnt give it another thought. I have recently tried to open a bank account and was denied on more than XXXX occasion and decided to take a look at my reports I saw that Pinnacle XXXX  had issued a XXXX XXXX XXXX XXXX against me for the amount of XXXX. I have never abused my account with Pinnacle XXXX and thought them to be a fairly decent financial institution until today. This kind of incorrect information was never sent to me an email or letter. I was never notified of this charge or that it would be put on my credit report and cause me to be unable to get a bank account anywhere else I am furious. I want something done about this immediately.
Consumer complaint received 2024-01-17
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Central Portfolio Control Inc. (TX)

I received a phone call for Central Portfolio Control rep XXXX XXXX who advised he was attempting to collect a debt for XXXXXXXX XXXX I advised him that i don't have any debts with XXXX  and to not contact me again and any correspondence that he has to please send to the address that he has on file. I also to him that it was a direct violation according to 15USC 1692 for him to obtain my personal information when i have no debt with this company and did not supply them with that information myself.
Consumer complaint received 2016-10-11
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: NARTEY LAW GROUP, LLC (GA)

The company 's response is not factual. My initial agreement ( attached ) in 2011 was with Kramer Linkie and Taylor, not XXXX XXXX and XXXX. As I stated, XXXX turned the account over to Nartey Law Group without notifying me. When my checks were retuned to me, I called XXXX and they answered the phone as Nartey Law Group. When I asked them about my account, they had no record of me or any payments. That 's when I decided I had better hire a lawyer. I then provided cancelled checks and we agreed to resume payments to XXXX, not XXXX. Then several months later, I received a letter from XXXX stating that they would garnish my account if I did not send them payments. I had never heard of XXXX. I then called XXXX and they told me the account was being handled by XXXX. I then called XXXX again and they said they had no record of me or any payments. I then called my lawyer again and we still do not have a resolution. I asked for a written confirmation from XXXX that clearly stated that my agreement was with them, not XXXX and that my payments would be properly applied and reconciled. I still do not have any confirmation, though I have continued to blindly make payments to XXXX because I do not want my account to be garnished and I do not want to incur more legal fees. I want two things : I want a copy of a written agreement transferring the account from XXXX and XXXX, and I want credit for {$1200.00} in legal fees I have incurred because of the incompetence or negligent handling of this account.
Consumer complaint received 2024-01-17
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)

on XX/XX/24 I was alerted that a collection was added to my file by an collection agency named XXXX XXXX  XXXX company the original creditor was XXXX. I then contacted XXXX  letting them know that this account is not mine and was opened fraudulently. I was then advised over the phone call to send in a statement with my ID front and back and police report. I sent over everything require and this information is still on my credit report
Consumer complaint received 2022-02-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL (MD)

On XX/XX/XXXX I had a dentist appointment. At this appointment it was determined that I was going to need major dental work performed. The cost of this work was over XXXX. I asked my dental office if they had any type of payment plans that would allow for monthly payments in lieu of having to pay all at XXXX time. The office manager took me in her office and gave me an ipad and told me that I could apply with Carecredit, apparently a subsidiary of Synchrony Bank. I filled out all the information, I had to take a picture of myself and upload a copy of my driver 's license.It kept rejecting the copy of my photo id and I had to reload it several times. When I thought it finally went through with a clear enough copy I got a message saying it could not complete. I then called the company to verify they had what they needed and was told that my application was denied and that I would receive a letter and they could not tell me why but they did get a satisfactory copy of my photo id. I have dealt with credit for the last 35 years ( XXXX XXXX XXXX in the Mortgage business ) my credit score is in the XXXX 's and I have very little debt. There is no way I should have been denied. On XX/XX/XXXX, I received an email with the following determination " Unfortunately, based on the results of these checks we are unable to confirm your identity with enough confidence to approve your application at this time. I am perplexed to determine exactly what this means. I called them this same day to ask exactly what this meant and what I could provide them for them to be able to approve my application. The person I initially talked to said she could only tell me that it was denied and nothing else and that there was nothing I could do to fix it. WHAT??? I asked for her supervisor as this was an unacceptable answer to me, that it couldn't be fixed. I then was transferred to a supervisor named XXXX and she reiterated the same thing. I then asked for her supervisor and was connected to an XXXX with the same results. During my conversations ( not sure which one said it as I spoke to 2 different supervisors ) they told me I could re-apply. I then went to their website and re-applied ( XX/XX/XXXX ) to see if I got a different outcome and received a XXXX denial for " prior application submitted too recently ''. Really, the supervisor didn't know this before telling me this. I think this is totally unacceptable and should have been able to provide me with what they needed to be able to approve my application. I have since had my dental work done and had to pay it in cash which I did not want to do. I am attaching both letters received.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXXXXXX XXXX XXXX {$290.00} XX/XX/XXXX
Consumer complaint received 2017-03-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (OH)

FNB purchased our mortgage from XXXX XXXX when XXXX XXXX sold. FNB did not pay our property taxes and possibly insurance for one and half years. When I found out and contacted the bank, I was told there was an email from the former bank that said not to pay our taxes. We were never informed and this is incorrect. Our mortgage agreement has not been modified. Taxes and insurance are part of our escrow. The new bank charged us {$100.00} extra to compensate for having to pay our taxes. We disputed this but ended up not fighting it and paid the extra {$100.00}. Now, the bank is raising our mortgage payment $ XXXX/month for the same reason. Due to the negative escrow. We have tried to get an explanation from the bank as to 1. Why did they stop paying our taxes and 2. What happened to our payments for the 1 1/2? Where was the money applied that did n't go towards escrow? The collection department representative, XXXX, has been helpful enough, in the sense that he allows me to ask questions etc ... but I 'm not getting any real answers. How can a bank just stop paying escrow without notifying us? How is that okay?
Consumer complaint received 2024-01-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pressler & Pressler, LLP (PA)

They sent me XXXX letter. I emailed them with my phone number. They called but refused to speak with me about the supposed debt. Threatened to take me to court. Did take me to court. Didnt show up first hearing. Judge continued it. I was XXXX mins late to the second hearing and didnt get the same benefit of a continuation. Was told to appeal. Never received anything to appeal. Got a call from an agent today who refused to say who the debt was with. Transferred me to an automated system that informed me it was pressler. Ive already disputed with the credit agencies and they still took me to court. And Ive yet to get instructions on how to appeal and theyre attempting to collect without informing me who they are.
Consumer complaint received 2024-01-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HEAD MERCANTILE CO., INC. (MS)

i am a victim of identity theft and has attach a copy of the FTC report below for your reference. These alleged debts of {$8500.00} ; XXXX ;, and XXXX are not mine and i asking for them to be deleted from my credit report
Consumer complaint received 2024-01-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC (IN)

I would like a complete accounting, including description and date of all transactions posted to the account from XX/XX/XXXX to XX/XX/XXXX. If possible please provide the information in both a XXXX  file as well as a pdf format. I have found the pdf format of the transactions extremely hard to read. For example the font and space are too small.