davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (MA)

I received a bill from a collection agency called ACI ( American Coradius Internat'l LLC ) . It stated that XXXX had turned over a debt that I had incurred with XXXX for {$1000.00}. I have NEVER used XXXX for that amount. I called XXXX to ask them to explain what the charge was. They wanted me to give them my SSN and date of birth which I would not do. They suggested that I contact XXXX. XXXX told me that I had a zero balance and owed nothing nor were there any records of me ever owing that amount. They told me not to worry about it. My concern is that if I had mailed {$1000.00} to ACI, what would have happened to it? I read on the XXXX site that other people have gotten bills from ACI and did not owe XXXX any money either. I XXXX ACI and it says that it is a legitimate collection agency. I am writing you to alert you as to what must be fraud perpetrated by either the collection agency or someone else.
Consumer complaint received 2023-08-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NV)

LVNV FUNDING LLC is stating I owe XXXX I received this notification on my credit report without any warning. 
I am not sure where it is from. 
I sent a certified letter of Debt Validation on XX/XX/XXXX. 
I am not sure what this is and it is hurting m

y credit score. I will attach this letter below.
Consumer complaint received 2021-05-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (PA)

Everytime I called about payment of a debt that was outsourced to them they were rude, they practice illegal/abuse acts and tactics to attempt to collect debts, so we paid the creditor XXXX XXXX XXXX XXXX directly. After paying the creditor we were told by reps from this company that they would not remove. The creditor already assured us that this agency is a 3rd party and they are contracted by the creditor. The creditor informed us that it would be removed. I spoke to 3 reps all who refused to transfer me to a supervisor and were speaking to me in condescending manners/tones also all stating that it would not be removed. I informed each rep that I would contact the CFPB and each time I was responded to with a laugh. Also, I spoke to the creditor who informed me that she spoke to this company directly AGAIN and told them to remove it from our reports.
Consumer complaint received 2017-09-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (NY)

2. I was the primary cardholder of a Citi Diamond Preferred Card ending in XXXX ( hereinafter the card ). 
3. The only other user of the card is my son XXXX who had a card bearing his name with the identical card number. 
4. In late XX/XX/XXXX and early XX/XX/XXXX, I received a bill from Citi Cards for charges placed on the card which were not made by me or by anyone I authorized. 
5. I reviewed these unauthorized charges with my son XXXX XXXX and he informed me that he did not charge the items nor did he give anyone permission to charge those items. ( See attached affidavit of XXXX XXXX ) 6. The charges totaled thousands of dollars and were at stores I never shopped at and in neighborhoods I did not frequent. 
7. I called Citi Card on several occasions to dispute the aforementioned unauthorized charges.
8. I spoke to Citi representatives on several occasions, each time indicating to them which charges I disputed.
9. Never during the period in question did any representative of Citi Card call me to ask me about potentially fraudulent charges to my account that appeared on their face to be of a suspicious nature.
10. The charges I disputed are attached hereto under the heading Billing Disputes and highlighted in pink.
11. In spite of the claim on my Citi Card bill that the items listed under Billing Disputes have been Resolved, Citi Card continues to bill me on a monthly basis for these unauthorized charges.
12. Furthermore, upon information and belief, Citi Card caused collection agents to send collection letters to my home address for charges that I do not owe after I told Citi Card on several occasions that I do not owe these charges.
13. Upon information and belief, Citi Cards persistence in collecting a debt not owed by continuing to send me bills I do not owe and in causing collection agencies to send harassing letters to my home violates the federal Fair Debt Collection Practices Act ( see 15 U.S.C, 1692 ) and New Yorks Fair Debt Collection Practices Act Section 600.
Consumer complaint received 2021-05-28
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. (NJ)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed
Consumer complaint received 2017-09-09
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: Experian Information Solutions Inc. (NC)

To Whom it May Concern : I have sent in several disputes about XXXX XXXX XXXX, and their illegal repossession of the vehicle in question. XXXX has yet to response to me and this has been going on since XXXX 2017. I cant see how this credit bureau has been updating this account when XXXX has seen this is an illegal repossession and removed it from my credit report ( attached ) .This account is being illegally reported on my credit report. I formally disputed it. 
Furthermore, if at any time during your investigation the above account is verified by XXXX I am requesting your method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question.
Consumer complaint received 2024-06-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

In XX/XX/year> I discovered that my online bill pay account to my husband 's Citi account of {$250.00} was credited to MY Citi account XXXX, giving me a credit balance of {$250.00} and hitting my spouse with a late payment of {$35.00}. It happened again in XX/XX/year>, so I called Citibank customer service with my spouse to rectify the issue. I asked if my balance of {$500.00} could be applied to his credit card balance via a transfer. They said yes. In XXXX, we both received our statements, and I now had a balance of {$1100.00}, and he had another late charge. We called Citibank back. Citibank had refunded ( sent me a {$500.00} check ) and did not transfer any monies to his account. Instead, they charged me {$550.00} for the transfer and {$500.00} for my refund. 
I've called each month since to correct this problem, sometimes on hold as long as XXXX hours. I've been through the customer service department, XXXX XXXX department, supervisors, and client focus customer accounts to no avail. Each time I've spoken with someone, they said, " Oh, I see the problem, '' and no one has known how to fix it. Someone even gave the account credit of {$200.00} for abandoned property, and then the following month, when I mentioned it, they took it away. The account is still showing that I owe $ XXXX of which is overdue, and I receive harassing phone calls XXXX  times per day. This is unacceptable harassment, which takes a considerable amount of my time. Each time I call I am told the call is recorded, so this should all be on record.
Consumer complaint received 2021-05-28
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. (FL)

On or around XX/XX/2021, I noticed an account was opened at XXXX under my name and identity. The account was open fraudulently. I went to XXXX and notified them, did a police report, filed an FTC Identity Theft complaint, and placed a fraud alert on each of the 3 credit bureaus. Ever since XX/XX/2021, I have been going to XXXX and letting them know of the issue, asking for their help in resolving the problem. On XX/XX/XXXX, I sent a formal letter to XXXX on the matter, and provided copies of my SS, Driver 's License, FTC Complaint. As of today, nothing has been resolved, and the account still shows up under my name and in my credit files. XXXX has never contacted me back on the matter.
Consumer complaint received 2023-01-03
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: EQUIFAX, INC. (CA)

my credit report is inaccurate 15 U.S.C, 1681 sec 602 a I have the right to privacy 15 U.S.C. sec 604 a sec 2 a consumer reporting agency can not furnish an account without my written instructions.

check all negative accounts that they are 100 % accurate, if not remove them. 
Also I need for each collection items the original purchase agreement and proof that I am the legal owner of these agreements. 
If no proof is provided, remove them from my credit report.
Consumer complaint received 2021-05-28
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: Amsher Collection Services, Inc. (PA)

I am sending this over because there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was not made in error. I XXXX XXXX XXXX, also did not give you credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of 15 USC 1681b- ( a ) ( 2 ). This account due to inability to verify that the information on the account is mine and accurate, yet this account still reporting to my credit report. As stated in my last letter I am a victim of identity theft, and this was reported to the Federal Trade Commission. It is to my understanding that the creditors are required to report the same information to all three credit bureaus as written under the FCRA. As a consumer I request that you provide In FULL DETAIL the procedure that was used to investigate these fraudulent accounts. If you can not do so, please block and remove this account from my credit report as soon as possible, thank you. Please note these accounts are only reporting on XXXX AMSHER COLLECTION SE ( XXXX  ) Date opened : XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) Date opened : XX/XX/XXXX
Consumer complaint received 2021-05-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (PA)

I asked for help in how I could go about lowering my monthly car loan payment from XXXX a month due to hardship with my employer. In XXXX my employer, from full time to part time but unknown for how long. I pay my car on time but they say I dont qualify.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (TX)

I tried getting insurance for the XXXX  homes I own. The homes are XXXX miles apart and both suffered hail damage. My XXXX XXXX home has damage in XXXX while my XXXX XXXX home had damage in XXXX. Now I am ineligible for getting insurance because Ive had 2 claims. These homes are XXXX miles apart. The insurances, XXXX XXXX, says Ive had 2 hail events therefore I can o t be insured. In addition my identity was stolen in XXXX and Im still dealing with the fallout and damage to my credit score. I am way above average in net worth, yet I cant get insurance for my houses. I need help Thanks XXXX XXXX XXXX
Consumer complaint received 2021-05-28
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: Southwest Credit Systems, L.P. (PA)

I am sending this over because there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was not made in error. I XXXX XXXX XXXX, also did not give you credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of 15 USC 1681b- ( a ) ( 2 ). This account due to inability to verify that the information on the account is mine and accurate, yet this account still reporting to my credit report. As stated in my last letter I am a victim of identity theft, and this was reported to the Federal Trade Commission. It is to my understanding that the creditors are required to report the same information to all three credit bureaus as written under the FCRA. As a consumer I request that you provide In FULL DETAIL the procedure that was used to investigate these fraudulent accounts. If you can not do so, please block and remove this account from my credit report as soon as possible, thank you. Please note these accounts are only reporting on XXXX  XXXX XXXX XXXX  ( XXXX  ) Date opened : XX/XX/XXXX SOUTHWEST CREDIT SYS ( XXXX XXXX Date opened : XX/XX/XXXX
Consumer complaint received 2019-11-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (OR)

Rushmore Loan Servicing has failed to correct my monthly escrow payment despite 4 calls over the last two months. My loan was for a new home. Since there were no prior property tax records because of new construction, taxes were estimated at closing to be approximately {$4500.00} annually. The actual assessment came back at the end of XX/XX/XXXX, with a note stating it was a copy and not a bill and the bill was sent to Rushmore. The assessment indicated the actual taxes turned out to be {$2500.00} annually. Since the taxes were to be paid soon, I immediately called Rushmore to  make sure they did not over pay and to ask for an escrow refund and analysis, since I was paying almost double what was required for almost a year. The first call was to the tax department. Although I could see on the online system they had the bill and were paying to {$2500.00}, it showed they were going to pay it twice a year. I asked her to correct it to the once a year payment period as indicated on the bill. The representative said she would. When I checked back a few days later, it showed once a year, but she failed to correct it to the lower amount, so I called back again. This time the tax department told me I had to speak to escrow. So I called escrow. The man I spoke to seemed to understand what I explained. He told me he would do an immediate escrow analysis based on the {$2500.00} once per year, send me the escrow overage, and have the account analyzed so my payments would be lowered to reflect the new lower monthly escrow obligation effective XX/XX/XXXX. So I signed on today and learned that an escrow overage check was processed, my taxes showed as paid once per year but still at the {$4500.00} amount, and my monthly payment had INCREASED, NOT decreased. So I called in again and the tax rep, XXXX, told me I should have talked to them first so they could adjust the tax lines before the escrow analysis so that it could be done right. She then said it would take ANOTHER 21 days. The problem with that bad service response is that I DID start with them and they already got it WRONG. So two months later, and apparently another 21 days before I can check to see if they get it right the fourth time, here I sit, HIGHER payments, wrong tax lines, and waiting for the escrow overage I first started requesting 60 days ago. RESPA, RESPA, RESPA. Arent there servicing and timeline requirements for escrow overage refunds? Do they somehow not apply to my loan? This is NOT that difficult.
Consumer complaint received 2023-05-03
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: Experian Information Solutions Inc. (PA)

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identi theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 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 und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

Account Name : XXXX XXXX XXXX
Consumer complaint received 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

WELLS FARGO IS REPORTING ME 120 DAYS LATE ON XXXX FOR THE MONTH OF XX/XX/2021. THIS IS A COMPLETE ERROR AS THE ACCOUNT WAS SETTLED IN FULL IN XX/XX/2021. HOW CAN I POSSIBLY BE LATE ON AN ACCOUNT THAT HAS A XXXX BALANCE IN XX/XX/2021. I ATTACHED A SCREENSHOT OF THE 120 DAYS LATE REPORTING ON XXXX
Consumer complaint received 2021-05-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

Recently i did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter
Consumer complaint received 2017-05-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (FL)

Ocwen over charged us approx up to {$170000.00} in excess fees and escrows, interest etc. and would NOT give us accounting prior to our settling this mortgage when we sold house In  XXXX  or to present after we and attorney requested a myriad of times to see the accountings. Right. NOw we have filed lawsuit against and still are not getting the paperwork
Consumer complaint received 2017-05-05
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

A year ago I disputed many incorrect statements and negative collections on my credit, they were my ex husband 's. I recently tried to qualify for a house loan and was informed I had too many disputes on my credit report that should have been removed with in 60 days. She informed me that she is not willing to help me until all are removed and we see if my credit goes up or down. Please help me, this has been my dream, to own my own house, that no one can take away.   Thank you
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC. (NJ)

Dear CFPB, I am writing to file a complaint regarding the unauthorized renewal of my XXXX XXXX policy. As a long-standing policyholder, I am disappointed by the recent decision to renew my policy without my consent. The reason provided for this renewal does not align with the terms outlined in my policy. 

Key details about my complaint : Policy Details : Policyholder Name : XXXX XXXX Policy Number : XXXX Effective Date of Renewal : XX/XX/2023 Issue : Unauthorized Renewal : XXXX XXXX renewed my policy without my knowledge or consent. 
I did not receive any communication regarding this renewal. 
The renewal decision contradicts the terms of my policy. 
Request : I request an investigation into this matter. 
I seek clarification on the basis for the unauthorized renewal. 
I expect a resolution that aligns with the terms of my policy. 
Supporting Documents : Enclosed, please find copies of relevant documents, including my current policy, State of New Jersey Temporary Evidence of Insurance and a copy of my NJ Driver License. 
I appreciate your attention to this matter and look forward to a prompt resolution. Thank you for your assistance. 

Sincerely, XXXX XXXX