davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC (IL)

I saw some unknown source to collect a debt and disputed it on XX/XX/2022 asking for debt validation with itemized bill and signature agreeing to pay said debt they're claiming I owe. I received a notice that does not contain any of the information it's only a letter that says I owe the money with no further explanations on it validating the claims. I called the company to obtain the correct information and tell them I did not receive anything in compliance in validating the debt and was spoken to in foul language and hung up on.
Consumer complaint received 2022-11-02
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. (IL)

when I log in myequifax I get this message Please give us a call and give this code to the Agent : XXXX  Your Equifax credit report and score are not available at this time due to a technical error. Please call XXXX XXXX at XXXX ( XXXX ). 

I called many times and sent letter XX/XX/2022 and called many times on XX/XX/2022 I called they said they would fix my problem so I can view my credit report and XX/XX/XXXX and they said same thing They will fix in 7 to 10 days. I haven't been able to view my credit since XXXX.
Consumer complaint received 2020-08-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

I wrote a check to XXXX on XX/XX/2020 ( check number XXXX ) for {$250.00}. Ed XXXX XXXX deposited my check into their account and Chase let them withdraw the money without any verification of the check. I do not have a relationship with Ed XXXX XXXX. Chase claims that they do not have to verify check, nor request a copy. The escalation specialist today explained that as long as I have money they will let anyone take it out of my account without verifying. That it is in fact not their job to verify who the check was written to. They refuse to get a copy of the check from XXXX or Ed XXXX XXXX to verify. I have already had to mail a second payment to try to prevent further problems with the XXXX account, to which Chase confirmed that anyone can cash without verification. How can this be?
Consumer complaint received 2020-06-17
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. (TN)

I have called Equifax Several Tines about a Hard Inquiry on my credit Report, the Company XXXX XXXX XXXX  have called Equifax several times to remove this Hard inquiry XXXX XXXX XXXX  XX/XX/2019, Equifax Still after 3 months still Refuse to remove this hard inquiry after the company told Equifax to remove this Hard inquiry asap/immediately as of today its still on my credit report this is wrong and illegal the company told them to remove the hard inquiry why haven't Equifax removed it yet I don't understand.
Consumer complaint received 2024-04-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (PA)

I received two fraudulent charges to my account because of this I filed a police report. Upon filing the police report, I contacted PNC Bank for fraud reimbursement. After the investigation, PNC Bank neglected to refund my money, despite it being proven fraud by the police.
Consumer complaint received 2022-12-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

hi i was placed in XXXX XXXX after the debit was paid. i was placed in XXXX XXXX  for an error on bank of americas part they didnt do their due delligence at all. i paid them a total of XXXX dollars in XXXX XXXX  to settle all debits they said its paid in full and sent me to XXXX XXXX thats horrible its ruining my lives, i cant do anything.
Consumer complaint received 2020-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On my Transunion credit report I seen a inquiry from XXXX XXXX which is for a XXXX XXXX XXXX card that I never applied for the inquiry is fraud.
Consumer complaint received 2020-08-18
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: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2022-12-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I transferred Funds from my checking account via XXXX to my friend whom also banks with the same Institution. I received a notification that he did receive funds. Almost three years later he tried to use his XXXX and was told he had never used XXXX. He said he did because I sent him money. He looked back into his account and he NEVER received the funds. However, the funds are gone from my account and I have confirmation text that he did receive it, but he in fact did NOT. Bank of America stated its been to long and they cant do anything about this matter. I was finally able to get Bank of America to file a claim. He did not receive the funds and the funds were taken from my account. Where are the funds is what Bank of America needs to prove to me!
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Transunion XXXX  have not updated my credit report for inquiries? I have just few documents that I'm going to send to trans union and  XXXX so they can update and have the current status on my diseuse.
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I paid in full for XXXX XXXX  XXXX, XXXX, but still the amount is showing as unpaid or derogatory/open I am from XXXX working as a XXXX staying with my family here, i asked the paid in full letter to XXXX XXXX  XXXX, XXXX, they said they will not provide, then i asked to XXXX XXXX XXXX property manager and he sent me a letter. 

please find the attached file and remove XXXXXXXX XXXX XXXX, XXXX collections from my credit report. 

i lost my current job and need to vacate current apartment by this month XXXX XXXX, i have to find an apartment before that, so please kindly update my credit reports, having collections on my credit report we are facing extreme hardship, I don't have enough money to feed my family but i am paying these collections,, please understand my situation. 

please helpme
Consumer complaint received 2022-11-02
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. (LA)

I spoke to Equifax today in regards to the validation of an account with XXXX XXXX XXXX XXXX and I have the call recorded with the agent, He said the dispute is closed and verified as mine. I requested in my dispute the documents that XXXXXXXX XXXX provide verifying the account, and he said to me that he ( Equifax ) can not send me that documentation from the lender i.e the document that I asked for in my dispute to verify and or validate the debt that they are reporting on my file. which is in violation of the FDCPA, By Equifax not providing this documentation this account should be removed immediately from my file because it has been more than 30 days since filing this second dispute. Also they are not allowing me automated access to my credit file.
Consumer complaint received 2022-11-02
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: Experian Information Solutions Inc. (CA)

In late XXXX of this year my XXXX  account which is connected to my XXXX XXXX  account was hacked and somebody made fraudulent purchases through this account. I had this account set up for autopay and was not aware until later that my autopay payments for my car loan were being rejected. I have been with XXXX XXXX for a year and a half and never have been late. XXXX XXXX apparently were sending out my statements to the wrong address and I wasn't receiving any notice that I was behind. When I did find out what had been going on I contacted XXXX XXXX by phone and immediately paid the balance up to date. They promised on their website to make efforts to contact you if you are behind but they apparently made next to none as they couldn't even get the address correct and were about to put me in collections! 

They then reported me to the credit bureaus for being late after I told them I had been a victim of identity theft. I also wrote them a letter explaining this, submitted proof from my XXXX account and the report that I had filed with the FTC. According to FCRA they are not supposed to report information that is related to fraud, yet they did and rejected this information saying it was still paid late. Duh, yes it was because my accounts had been hacked and you are sending my statements to the wrong address. 

And when I called your representative and gave them my new bank account information they assured me they would put me on auto pay as your website is a confusing nightmare to try and access. They didn't put me on autopay but I did at least this time receive a letter notifying me that again the autopay wasn't working and had to go in and do it myself, getting me stuck with more late charges. And even more annoying I still can't put the account on autopay to have peace of mind with my car payments automatically leaving my account because your website won't let me again. I honestly think this is set up deliberately to make it as confusing and difficult for the consumer as possible in order to slip in a bunch of late charges. I also have " other charges '' on my statements that don't even explain what they are for. So shady. 

I demand that XXXX XXXX remove the late payment off my credit as per the rules of the FCRA - " businesses are not supposed to reporting information about you to consumer reporting agencies if you believe the information is a result of identity theft ''. 
I was, I identified the information and provided the identity theft report. Please remove the late payment from my credit report, AS IT WAS A RESULT OF IDENTITY THEFT! My XXXX was even hacked and I am banned from it as a result of these thieves. 

Thank you, XXXX XXXX
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I paid in full for XXXX XXXX XXXXXXXX, XXXX, but still the amount is showing as unpaid or derogatory/open I am from XXXX working as a XXXX staying with my family here, i asked the paid in full letter to XXXX XXXX XXXXXXXX, XXXX, they said they will not provide, then i asked to XXXX XXXX XXXX property manager and he sent me a letter. 

please find the attached file and remove XXXX XXXX XXXX, XXXX collections from my credit report. 

i lost my current job and need to vacate current apartment by this month XXXX XXXX, i have to find an apartment before that, so please kindly update my credit reports, having collections on my credit report we are facing extreme hardship, I don't have enough money to feed my family but i am paying these collections,, please understand my situation. 

please helpme
Consumer complaint received 2024-04-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNYMAC LOAN SERVICES, LLC. (AL)

My ex husband died on XX/XX/2024 and I had previously communicated with the mortgage company about sending the information to me prior to his death. They refused even after receiving a power of attorney stating I was not on the mortgage and not responsible and therefore not in privity of contract. 

After several instances of trying to pay the payment and communicate I was told that was the responsibility of his now power of attorney. 

After he died, we had a death and dismemberment insurance provision. They would not communicate with me about that. 

Now, the house was in non-judicial foreclosure and I have asked for additional time with the Court as well as a TPR until this matter is considered and handled.
Consumer complaint received 2022-11-02
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. (SC)

XXXX XXXX XXXX XXXX with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-08-18
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: T.S. Holdings (UT)

I settled a debt with the XXXX XXXX  on XX/XX/2017 with the then manager XXXX XXXX. I moved out of the unit, and out of state, a month prior. Upon communication with management, I returned on that day only to resolve the balance. I have check images showing the final payment signifying account closure that are not included on IQ Data International debt collection invoices.

Upon initial contact with IQ Data International, the representative was extremely abusive, vulgar, and threatening. Upon my request for documentation, IQ Data International went silent for years and I am only recently seeing a credit dispute affecting my personal credit.

After no response from IQ Data International, I followed up with the leasing property management directly who were able to furnish additional documents, however, showed varying amounts on all ends and the specific manager recalled our meeting but claimed ignorance of any events that took place. There was further evidence of modified invoicing due to over invoicing for several months that went unnoticed by management and myself. 

In conclusion, the XXXX XXXX  have proven to have inaccurate record keeping ( varying amounts and invoices between IQ Data International and themselves ), and have merely pushed the account to an abusive debt collector because they are owned by a large conglomerate real estate magnate.

Both companies show an incompetence in proper business practices and should cease abusive practices towards victim residents.
Consumer complaint received 2024-04-15
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: Love, Beal & Nixon, P.C. (OK)

it appears that XXXX XXXX XXXX hired local attorney Love , Beal & Nixon , P.C . claiming an old debt with no validation. I contacted the company and they were asking for personal financial information, social security information, who lives in my domicile and how much money I make. I declined to answer this information. I emailed the company to complain as provided on the letter within the XXXX  days and I inquired during a letter sent on XX/XX/XXXX XXXX shortly after requesting validation on debt that I do not owe. Their response was to sue me directly through my county as posted on XX/XX/year>. As a response to that I asked the court to dismiss the case and continue to arbitration as is my right to proceed with this. They responded with flat out lies claiming that I would have to pay XXXX  of dollars on top of the alleged debt providing the court with a magical number no where listed on the agreement. They cherry picked words out of the arbitration agreement to make it look as if it was not in my best interests and this response was submitted on XX/XX/year>. Not only is this clearly a violation of the FDCPA but they are intruding on my card agreement rights with false statements.
Consumer complaint received 2020-08-18
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (CO)

I reside a XXXX XXXX XXXX in XXXX XXXX, Colorado, XXXX. In the past two weeks, I have received two credit cards in the mail from USBANK Reliacard - for people who do not live here. I am guessing that people are using my address to collect benefits that are not due to them. 

The cards are for XXXX XXXX and
Consumer complaint received 2020-08-18
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Social Finance, Inc. (NY)

Im becoming increasingly concerned with the servicing provided by XXXX for my loan originated with SoFi. In XXXX they raised my variable interest loan up to 7.18 % from 3.55 % the previous month. I notified them of the error and it was corrected down to 2.98 %. I didnt want to make a big stink about it going up XXXX % for a few days so I let that go after it was fixed. 

Then in XXXX I applied for an economic hardship ( XX/XX/20 ) forbearance as a result of medical bills I received. They sent me the form via e-mail & instructed me to return it via my dual authenticated account online. After I completed the form and uploaded it as instructed, they denied the claim without cause communicated to me. I reached out & they indicated said without an actual signature they couldnt approve it. I asked them for alternatives because I dont have a printer and didnt think it made much sense for me to go to fedex to pay for printing in the midst of a pandemic and while applying for an economic hardship forbearance. Further, working for a financial institution myself, I know theyve had months to figure out alternatives to solve for this exact situation so that customers dont have to leave their houses or interact with strangers in the midst of a pandemic. 

Despite their lack of assistance, I was able to have my fianc print the form I needed to sign & uploaded it with the requested signature a few days later. It was submitted prior to my due date & I received notification of the forbearance being approved on XX/XX/20 the same way i became aware of the denial previously. 

Despite the approval, they still took the money from my account. I called them and told them I needed the money & wouldnt be able to buy groceries unless it was returned. They told me they would process the refund immediately. A week went by, and my checking account was still over drafted because of the payment they took. I called back and they told me they actually HAD NOT processed the refund the week before, and would process it that day. At that point I reached out to my bank to file a dispute because the loan was in forbearance when they withdrew the money and i wanted the overdraft fees refunded also. XXXX botched the refund, and have now the set my principle balance higher than its been since XXXX despite the fact that Ive been making interest payments all along. I should not have to pay interest on the same principle balance more than once as a result of their mistake. Ive asked multiple times for the balance to be returned to the amount quoted in the forbearance agreement. 

Im concerned that their servicing contract with the federal government has made SoFi customers less of a priority for XXXX, and operational errors like this are more likely to occur moving forward with any additional volume.
Consumer complaint received 2020-08-18
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCP Holdings, L.P. (TX)

Requested a loan from NCP Finance in XX/XX/2019. Agreed to XXXX every two weeks. I missed two payments totaling {$130.00}. However, the payments have continued to ACH every payday since the two missed payments. NCP Finance forwarded my account to a collection agency, XXXX which has reported negative information to Equifax. The debt reports {$440.00} and dated XX/XX/2019 when the loan was taken in XX/XX/2019. XXXX, the collection agency is reporting false and inaccurate debt to my credit bureau. I am requesting them to remove the file from my account. Additionally, I am currently paying installments on the loan to NCP and I am requesting they consider my debt paid in full and stop all collections based on their integrity of forwarding my file for collections and continuing the withdrawals from my account. They cant have it both ways. Reporting me delinquent and tapping into my account twice monthly.
Consumer complaint received 2022-11-02
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. (SC)

XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I applied for a pre-qualify loan with XXXX. I've had multiple loans with XXXX. ALL were paid on time or early and i paid over the amount due. I received two emails from XXXX stating they weren't able to approve it because of information from Experian. I am attaching the disclosure from XXXX where they list the reasons that were given to them by Experian. They are absolutely FALSE. First of all I have no negative public records at ALL and secondly they report my a reason as my payment history which is excellent. They also have my incorrect income to determine their " debt to income ratio '' which negatively affects your credit score. My income is XXXX a year. XXXX then emailed me again and said they apologized that apparently they had used incorrect information from Experian to determine my loan status. These credit reporting agencies literally have your financial life in their hands and its ridiculous how inaccurate they are.