davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Tenaglia & Hunt, PA (NY)

In XXXX I received a collections letter from Tenaglia and Hunt regarding a credit card debt to XXXXXXXX XXXX which I do not believe I owe and replied requesting validation. I received a response which I do not beleive meets the requirements for debt validation under New York or federal law and replied specifically requesting the following : a copy of the original signed credit agreement or application, transaction summaries showing how and when the amount they claim I owed was calculated, proof that Tenaglia and Hunt was authorized to collect the alleged debt on behalf of XXXXXXXX XXXX, and proof that Tenaglia and Hunt is licensed to operate as a debt collector in XXXX XXXX XXXX  I received no further communication from XXXX or Tenaglia and Hunt for several years which I took as a tacit acknowledgment that they were unable to validate the alleged debt. 

On XX/XX/XXXX I received notice that Tenaglia and Hunt was seeking default judgement in a lawsuit they claim to have filed against me in XX/XX/XXXX. I was never served with this lawsuit and had no knowledge of its existence prior to receiving this notice. Per documents filed with the court the initial complaint was served to a third party identified only as " XXXXXXXX XXXX ( name refused ) - co resident '' ( I live alone and have no idea who this could be referring to ) and the complaint was sent by mail to an incomplete address. Documents also show that an additional notice was sent to the same incomplete address and returned as undeliverable by the postal service. 

I made multiple attempts to contact the attorney of record ( XXXX XXXX ) by phone but the number provided for him in a filing is directed to one of several non-attorney collections who immediately start talking over me or disconnect the call when I raise any of the following issues : The alleged debt was never validated, Tenaglia and Hunt knew or should have known that the original complaint was not properly served, by the time I became aware of the lawsuit the alleged debt ( if valid ) was time barred, all XXXX Credit Card agreements include a mandatory arbitration clause and even if the alleged debt is valid the lawsuit is improper as the matter should have been pursued in arbitration.
Consumer complaint received 2023-07-26
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. (NY)

Equifax and XXXX will not acknowledge any of my attempts to obtain my credit reports and/or mailed copies of my statements pertaining to fraud. I am unable to create an account as any identifying information requested to do so is Fraudulent and incorrect information- the same information I am trying to have removed! 

I have tried calling- but again I am requested to verify personal information that is not mine and incorrect. Equifax and XXXX have at the most only responded to mailed statements and my photocopies of my government ID 's and social security card with " please send us copies of your ID and police reports. To have sent that to receive that response demonstrates they are not actually reading and reviewing what I have sent.
Consumer complaint received 2017-03-24
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I began my mortgage refinance on XX/XX/XXXX with HSBC. At the time my mortgage balance was {$270000.00}. My XX/XX/XXXX payment of {$2500.00} had not factored in and so the HSBC representative initiated the refinance paperwork with the XX/XX/XXXX balance of {$270000.00}. 
The following month HSBC had XXXX service the loan. This added a third party to the process and caused delays that resulted in my interest rate of 2.94 % extended twice since the delays were not my fault. 
For the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I made 4 payments of {$2400.00}. ( I stopped making the extra payments towards the principal during the refinance process. ) In total I made 5 payments totaling {$12000.00} before closing on my refinance on XX/XX/XXXX. This brought down my balance to {$270000.00}. When the HSBC representative called me to inform me of my closing date, I realized I was n't supposed to make the XX/XX/XXXX payment. He said I would have my XX/XX/XXXX payment refunded. 
When XXXX mailed me a " Payoff Refund '' check in the amount of XXXX, which arrived on XX/XX/XXXX, I realized this amount was roughly the difference between the starting balance ( XXXX ) and the closing date balance ( {$270000.00} ). I understand that based on the amortization schedule the 5 payments totaling {$12000.00} would only cause the balance to drop by {$3800.00}. I do n't have an issue with that. 
However, to keep the loan at {$270000.00} requires that I make an additional {$12000.00} in paymentsto bring down the balance to what it was on my closing date. This amounts to a hidden fee of {$12000.00}. Is this legal? The balance could have been revised to the closing date balance. ( A colleague of mine told me that is what his bank did with his loanwhen he refinanced. )
Consumer complaint received 2023-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX  XXXX XXXX XXXX : {$220.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00}.
Consumer complaint received 2024-03-28
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: EQUIFAX, INC. (NC)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I am writing to lodge a formal complaint regarding a disputed account on my credit report, which is adversely affecting my credit history. The account in question is related to an auto loan with USAA, and I strongly believe that they are inaccurately reporting a balance despite agreeing to a settlement. 

Account Information : Creditor Name : USAA Details of Dispute : On XX/XX/2022, I entered into a settlement agreement with USAA to resolve the outstanding balance on my auto loan. Per the terms of the settlement, I paid the agreed-upon settlement amount, which was accepted and acknowledged by USAA as full satisfaction of the debt owed. I have copies of all relevant documents, including the settlement agreement and proof of payment, for your reference. 

Despite the settlement and full payment made, I am dismayed to discover that USAA continues to report a balance on this account. This reporting error is unjustifiably harming my credit score and affecting my ability to obtain credit and loans at reasonable terms. It is my understanding that once a settlement has been reached, the balance should reflect as {$0.00} on my credit reports, indicating that the debt has been fully resolved. 

Steps Taken to Resolve the Issue : I have attempted to resolve this matter with USAA directly by contacting their customer service department on multiple occasions. However, my efforts have been met with unsatisfactory responses, delays, and lack of action. Despite providing evidence of the settlement, they have failed to correct the erroneous reporting on my credit file. 

Request for Action : I kindly request the Consumer Financial Protection Bureau to investigate this matter and intervene on my behalf. I ask that you ensure USAA updates their reporting to accurately reflect the settled status of the account and show a balance of {$0.00}. Furthermore, I request that appropriate measures be taken to prevent such inaccuracies from recurring and negatively impacting other consumers. 

Thank you for your assistance in this matter.
Consumer complaint received 2024-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA (NE)

A family member got a hold of my debit card, then used it to make fraudulent deposits and turn around and take the money out. I live in one county of XXXX and my card was used in another county in XXXX. I made police reports in both counties. Where I live for theft of my card from my home and the other for the fraud. I called the bank immediately and gave them this info on several occasions. I was told on a couple occasions that they did not have this info ( again after giving info on several occasions ), I was told that the dispute had been closed and when I mentioned that the detective in charge of the investigation has even gotten the run around from them and that he was submitting a subpoena then I got people that were nicer but, still did not help me. Was told on several occasions that I would get a call back from the investigator and never got a call back. After about 6-7 weeks of trying to get ahold of the investigator on my dispute, I have been told that they received the subpoena and that this is now in the hands of the legal dept but, there is no number that they could give me to call and speak to this XXXX in the legal dept. The investigator is going to reach out and I should supposedly get a call back in 24-48 hours but, I won't hold my breath because they have told me this about 20 times already and I NEVER get a call back. This bank is ridiculous. Legally stealing from hard working people. They may do it legally but, it is still stealing. I know that they owe tons of money for some XXXX  XXXX, doesn't give them the right to take my money. If they would have even done the slightest of investigating and spoke to the XXXX Police, they would have known that I had nothing to do with this fraud and would have had to give me my money back already!! They are ridiculous. Anyway, please contact me if you are needing any further info in regard to this.
Consumer complaint received 2023-08-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc. (TX)

Lawful Notice of Dispute TO : CREDIT SYSTEMS INTL IN RE : Account Number : XXXX To Agents or Assigns at : CREDIT SYSTEMS INTL IN I am in receipt of a computer-generated letter from your company dated on or about XX/XX/2023 unsigned, unverified, unvalidated statements alleging some kind of debt. It is my policy to pay all legitimate debts, but to also not be defrauded by clever schemes. Your claims are conditionally accepted provided you furnish me with a claim verified under penalty of perjury. Who are you? Do I have a contract with you? Please send me a certified copy of the contract that exists between XXXX XXXX and CREDIT SYSTEMS INTL IN. Please verify your claim under pains and penalties that this is a true debt and not a collection scheme per the F.D.C.P.A at 15 U.S.C. 1692 e.g. Please send me a certified copy of your license to collect a debt in Texas. If you bought this as a debt collections device to make money as a debt collector, thank you for paying off the bill. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE All Rights Reserved, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX
Consumer complaint received 2023-03-07
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. (NC)

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX 
XXXX ) XXXX Balance : {$290.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I contacted equifax in XXXX 0f 2020 due to my score dropping XXXX points. XXXX XXXX made a comment on my report which was not derogatory at the time because i was selling my mobile home. I contacted them and they removed the comment and equifax never put my score back. They use the same sytem as XXXX at which I have an XXXX credit score. The case number back then was XXXX. I tried to talk to someone today and they're response is they just report it.
Consumer complaint received 2024-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

I made my monthly payment with AES 2 days before due in the amount of {$50.00} and received my confirmation email with transaction code. 2 weeks later I got an email back that my payment was returned. I made the payment again and same thing. A week ago I tried AGAIN and today received the same message. They told me it takes 2 days to process payments but they are not processing them at all as I have had plenty to cover the charge and it never is taken. Now they're putting my loan in default when it's them refusing to accept the payment.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX  CARD - incorrectly reporting as : Payment after charge off/collection Purchased by another lender. This was paid in full in XXXX of 2021, and I have made multiple written requests for evidence of the charge off/pay history for which there has been no response for more than 60 days now.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC. (AZ)

XXXX XXXX XX/XX/2023 I have tried reaching the business I wasn't able to get anyone I have reached out to the credit bureau the only thing they could tell me is that it will be removed in XXXX. My problem is I would like it removed now because I recently noticed it and have never applied for these merchants. There are no amounts due to these are inquiries but I have informed the credit bureau but they were unable to help.
Consumer complaint received 2023-07-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (WI)

I was originally on a COVID forbearance plan. I was able to resume payments. I went back and forth with LoanCare regarding the COVID-19 Advance Loan Modification ( ALM ) that I should have been eligible to receive. I had received a letter that I would be eligible for that but then all of a sudden it changed and they did something else, raising my payment instead of lowering it. Every time I try and call, I can not get through and no call back. And no response to emails.
Consumer complaint received 2024-02-29
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: Experian Information Solutions Inc. (OH)

I am writing to dispute certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing.
Consumer complaint received 2023-03-10
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)

I CALL EQUIFAX AND FILE FTC REPORT AND POLICE REPORT. THIRE IS 3 FRUAD Hard Inquiries. 

XX/XX/2022 XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 XXXX I HAVE SEND EVERYTHING TO THEM. THEY TOLD BE IT BE REMOVE IN 24 TO 48 HOURE IT NEVER HAPPEN OTHER AGENT TOLD ME IS NOT SHOW IT HAS BEEN REMOVE BOUT IT STILL THIER. JUST NEED THIS 3 FRUAD INQURIS BE REMOVE. THAT IS ALL.
Consumer complaint received 2022-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I will be filing a lawsuit against the XXXX XXXX  company on the grounds of harassing phone calls all day and all evening, and they have put this on my credit report after I have told them the situation. Plus on the contract they over changed me almost {$17000.00} more interest on the vehicle I purchased when originally the vehicle was {$15.00} or {$16000.00} totaling the whole auto loan to {$34000.00} and some change with a seven year term on a XXXX XXXX XXXX XXXX XXXX I am watching it daily to see the car note reported as past due when they know the situation I am in. I called them firsthand to let them know what is going on but it seems they dont care and want their money either way it goes. They have placed the loan and car note in default already. Why would I pay for something I dont have? Them and XXXX have ruined my credit. Please Help!!! 

Have any questions please feel free to contact me. 

Mr. 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 2023-07-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (VA)

Hello, I'd like to bring to your attention that I am aware of how you have handled my securities. I am aware of your indentured trustee agreement with XXXX XXXX and XXXX & XXXX XXXX XXXX. My securities have not been handled properly, and i will file a complaint with the Federal Trade Commission for securities fraud if this matter is not handled immediately.
Consumer complaint received 2023-03-07
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. (CO)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.