davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX It's showing that I have several late payments. But here 's the thing, these late payments that have been posted and reported are all incorrect and are a violation of the FCRA. Please cite and review the documentation that has been uploaded as evidence of their reporting agencies ' violations, which displays their lack of respect for the laws that protect the consumer. 

The malfeasance and disregard that these reporting agencies show to the consumers is disgusting and needs to be checked. These crooks are violating the law and getting away with it and it's unfair and very hurtful to me and my social standing. 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.
Consumer complaint received 2022-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (AZ)

In the past I was a customer of XXXX ( XXXX ). I sent all the equipment back on XX/XX/XXXX. I have a XXXX proof of delivery on XX/XX/XXXX at XXXXXXXX XXXX. Tracking # XXXX. I had no contact with them since the equipment was sent back, until now. I got a letter from a collection agency saying I own {$220.00}, as of XX/XX/XXXX. I was never contacted about any past bills, we were all paid up. They have me down with an account # XXXX. That is not my phone # and never was. I have called them several times about this issue and get disconnected, or we don't go back that far. On XX/XX/XXXX I talked to billing XXXX, Talked to XXXX got disconnected, XXXX got disconnected, XXXX got disconnected, than finally talked to XXXX, who told me the equipment was returned with no balance, and was supposed to send me a no balance letter and never did. I'm getting nowhere with this situation. All they give me is the runaround. EOS CCA is the debt collector ( XXXX ).
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

REPORTING THE DATE OF LAST PAYMENT AS XX/XX/XXXX IS THE DATE THEY SOLD THE DEBT SO THAT DATE IS INACCURATE BECAUSE IT IS NOT THE DATE OF MY LAST PAYMENT WHICH MUST BE UPDATED TO XX/XX/XXXX NOT THE DATE IT WAS SOLD. 
THE DATE OF LAST ACTIVITY IS MISSING WHICH THEY WAS JUST SUED FOR THE DATE OF LAST ACTIVITY WILL BE THE DATE OF MY LAST PAYMENT DATE CLOSED IS MISSING THEY WAS SUED FOR THIS YOU CAN NOT BE LATE AFTER AN ACCOUNT WAS CLOSED AND CHARGED OFF THERE ARE NO SCHEDULED PAYMENTS ON A ACCOUNT THAT WAS VOLUNTARY REPOSSESSION SO WHY THE 11- 90 DAY LATE
Consumer complaint received 2022-04-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

This is a formal complaint against Account Resolution Services located in XXXX, FL. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary XXXX  AND XXXX  distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Account Resolution Services has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices- disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

CHECKED MY CREDIT REPORT ON XX/XX/year> TO MAKE SURE EVERYTHING WAS CORRECT AS I HADNT CHECKED IT IN A WHILE AND I NOTICED THAT THERE WAS SERVERAL ACCOUNTS THAT WERE NOT MINE BEING REPORTED LATE FOR SEVERAL YEARS. SINCE HAVE BEEN IN SERIOUS DISTRESS AND I CANT QUALIFY FOR MY HOME/CAR/LOANS ETC. I ALSO FILED A FTC REPORT AND HEARD NOTHING BACK
Consumer complaint received 2022-04-22
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. (FL)

I put in dispute with credit reporting agencies and one removed accounts from consumer report and others didn't and pursuant to 15 usc 1681c ( f ) it states that the credit agencies shall include the facts in each consumer report meaning that if one consumer reporting agency removed the accounts it shall be removed from other credit reporting agencies. Also I never give them purposes my written instructions to furnish these accounts pursuant to 15 usc 16881b ( a ) ( 2 ) clearly states that the consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER. If I never gave them my written instructions to furnish these accounts they never were to be on my consumer report. Referencing to 15 usc 1681n any person who willfully fails to comply with any requirement imposed with the respect to the consumer is civil liability for {$1000.00} per action. Referencing to 15 usc 1611 ( 3 ) whoever willfully and knowingly fails to comply with any requirements imposed under this subchapter shall be fined not more than {$5000.00} or imprisoned not more than one year, or both
Consumer complaint received 2022-04-22
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: Experian Information Solutions Inc. (GA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 this reporting account 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. Owned : {$2600.00} XXXX XXXX XXXX. Owned : {$3900.00} XXXX XXXX XXXX XXXX. Owned : {$1100.00} XXXX XXXX XXXX  Bal. Owned : {$990.00} XXXX XXXX XXXX Bal. Owned : {$2300.00} XXXX XXXXXXXX XXXX  XXXX XXXX. Owned : {$990.00} XXXX XXXX XXXX Bal. Owned : {$2600.00} XXXX XXXX XXXX. Owned : {$3900.00}
Consumer complaint received 2022-04-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (CA)

IQ Data International XXXX # XXXX has been harassing me with a debt I do not owe. They have called me, my family, colleagues at work, and my employer. They have disclosed personal information, ( social security number, how much I make a year, how much my car was, and what they believed was my address. ) They have violated multiple Fair Credit Acts and broken the law. They have called me from 6 different phone numbers, over 30 times after I have told them to stop. They continue to violate Fair Credit Acts every time they call. This debt has never been verified. 

They have also violated 1006.30 This company is nothing but harassment and law breakers.
Consumer complaint received 2022-04-22
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: EQUIFAX, INC. (NY)

I saw some inquiries on my XXXX and Equifax credit report. I sent them a letter in XX/XX/2022 to investigate the unauthorized inquiries on my credit report.. They said it is correct. I called them both the XXXX and Equifax in XXXX and in XX/XX/2022. They said they can't remove the hard inquiries from my credit report. There are 4 unauthorized inquiries on my XXXX report and 2 unauthorized inquiries on my Equifax report.. They said they can't help me with. It ' is having a bad effect on my credit report.
Consumer complaint received 2022-03-28
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC. (GA)

I have been contacted through multiple text messages and a letter by Halsted Financial Services regarding a XXXX XXXX payment. I do not have any knowledge who either of these companies are or have never done business with either of them. Their messages are from various phone numbers and appear to be a credit/payment scam. No inquiry for credit from either of these companies appear my credit reports and I have no delinquent accounts from either of these companies.
Consumer complaint received 2022-04-22
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCP Holdings, L.P. (OH)

I've disputed this over a year now. I took out a {$400.00} loan out 8 yrs ago and the collection agency XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, KS. XXXX is charging me {$2800.00}. I told them that Ohio does not allow hundreds of percent taken on pay day loans and I would pay off at a reasonable rate.They told me they will not remove for another 7 yrs if I dont pay almost 500 % interest on a {$400.00} loan that should be charged off by now they bought for pennies. Original creditor NCP finance Ohio who also was in trouble for overcharging and being predatory.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Im submitting a complaint to you today to inform you I was the victim of XXXX XXXX I researched on how to remove the fraudulent items in my report and found that I need to visit XXXX XXXX XXXX or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an XXXX XXXX XXXX. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : XXXX XXXX XXXX XXXX XXXX XXXX Bal. Owned : XXXX XXXX XXXX Bal. Owned : XXXX XXXX XXXX XXXX XXXX. Owned : XXXX XXXX XXXX XXXX XXXX. Owned : XXXX XXXX XXXX Bal. Owned : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Bal. Owned : XXXX XXXX XXXX XXXX XXXX  Bal. Owned : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged XXXX XXXX not later than XXXX XXXX days after the date of receipt.
Consumer complaint received 2024-02-20
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-28
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

EVERY SINGLE DAY/ 7 days per week Nissan Motors Acceptance calls me regarding my lease payment that is less than 30 days past due. They call me between 4-6 times daily it is harassment and stressful. If I didnt have the money at XXXX, I do not have it at XXXX Am and if I got it, I would have paid it. That many phone calls per day is intended to harrass the customer. I have so much XXXX I cant even be in the same room as my phone. They call almost as late as XXXX PM. They need to STOP HARASSING CUSTOMERS. That many phone calls in one days is not going to yield outstanding payment!
Consumer complaint received 2016-11-06
Product: Credit card — 
Issue: Billing disputes — 
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

on XX/XX/2016 I enrolled into a XXXX Counseling XXXX for all my credit cards. I enrolled through XXXX. XXXX of my credit cards with Schools First FCU was enrolled into the program and accepted by them. I was to make reduced payments of {$170.00} effective immediately. Around XX/XX/XXXX-XX/XX/XXXX I began to receive collection phone calls on my account from Schools First FCU regarding my Credit Card Account. I received a voicemail that it was imperative that I returned the call back to them. I phoned back their office and spoke with a collections representative regarding my account. I also let her know that I was enrolled into a consumer debt management program. She stated that she had that information on file, but that she needed to speak to another department. I also informed her that a payment of {$170.00} ( proposed payment was sent to Schools First on XX/XX/XXXX ). She re-assured me that she was looking into the issue and not to worry. I also asked her to make sure the account was not going to be reported as past due to the credit bureaus or any late reportings. After she came back to line doing her research she told me that the credit union had not properly processed the information and in fact after speaking with that department my proposal was accepted and good to go. She also assured me that everything was taken care of and I was not to worry about anything. I should not get any more collections calls and everything was good to go on my credit card account. Now as of today, Schools First FCU is reporting my account as beyond 30 days past due to the credit reporting agencies and providing false information when in fact I was told something different on XX/XX/XXXX and XX/XX/XXXX. Also my XXXX spoke with Schools First Federal Credit Union on XX/XX/XXXX and they confirmed as well that everything was good to go and the proposal was accepted.
Consumer complaint received 2022-03-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Performance Management, LLC (IL)

On XX/XX/XXXX I sent RPM a certified debt verification and cease & desist order about some alleged debt. About some unknown alleged debt. There was no response from RPM of letter. All the sudden on XX/XX/XXXX there is a credit report collect entry in my file from RPM of {$340.00}. They have ruined my credit with this entry. It appears they have illegally used the set the clock back trick. credit report saying this is new debt. They are very unethical and like to pick on people with vowels at the end of their names.
Consumer complaint received 2022-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. ()

This year, my account was purchased by XXXX XXXX XXXX XXXX XXXX from XXXX. Citizens now holds over {$5000.00} of mine and I am broke. They claim to have XXXX a debit card to me in the XXXX, where I live, in XX/XX/2022. It never arrived. I have called the bank many times to learn the XXXX tracking number. Their employees can not find it. Without that number, I am locked out of all funds. Because of their poor responses, I am now being threatened with eviction this week for non-payment. 

Citizens Bank offered to give me access to my account if I would visit a branch. They have no branches in XXXX. Their next advice was for me to fly from the XXXX to Rhode Island. Their customer service staff may show a sense of humor, but their efforts are unhelpful and non-responsive. 

The bank seems badly disorganized. They have no on-line chat service. One must call by phone, with wait times of 45 min. All their websites are blocked from here, so all internet access is denied Their technicians can not or will not correct this problem for me and their other customers in XXXX. 

The only way I can address them on line is by sending a FAX. Citizens Bank has only one FAX number and it's usually busy. I have sent two faxes with all the information they ask, but the bank does not respond. 

Their customer service is notoriously terrible. Customers complain endlessly about Citizens Bank XXXX XXXX I think XXXX was outrageously careless of customer trust in selling to Citizens Bank.
Consumer complaint received 2022-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (HI)

I had a 0 % thru XX/XX/22 in accordance with the terms of my card. I sent a payment of {$3100.00} to Elan. They returned the payment that was mailed on XX/XX/22, it returned to me XX/XX/22 alleging they do not accept cashiers check from the state of hawaii, alaska, XXXX, XXXX or XXXX XXXX or any US terrorites over {$2500.00}. I requested the charges of {$100.00} and {$86.00}. I redeposited the check into my checking account from my bank which had a stale date ; the funds will be redeposited in 5-6 days, I will be subjected to additional interests. I am asking the bank to credit me interest charges as they have not kept there original arrangements of 0 % thru XX/XX/22. I called, ask for a supervisor never got a return call, and no one has authority to fix my credit card. I want to make a payoff payment on my XXXX  with Elan.
Consumer complaint received 2022-03-28
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (AZ)

During the Covid pandemic my wife lost her job. We took a forbearance with our previous lender XXXX XXXX. While in forbearance our mortgage was sold to Freedom Mortgage company. I contacted Freedom to reinstate my loan to begin making payments again. My option was to make a lump sum payment for the past due amount or apply for a loan modification. I chose the loan modification as I did not have funds to repay the entire amount. 

I was told that 3 trial payments needed to be made beginning XX/XX/XXXX. We made the three payments and continued making regular monthly payments. We received notification in XX/XX/XXXX that we failed to make our XXXX payment. We had indeed made all of our payments but unbeknownst to us at the time, they assigned our 3rd trial payment to XX/XX/XXXX and our XXXX and XX/XX/XXXX payments were applied to XXXX and XX/XX/XXXX. 

Our only recourse was to reapply for a modification which we did. We received the paperwork in XXXX with instructions to wait upon their notary service to contact us. At the time I was not provided the contact information of the notary. I had multiple subsequent contact with Freedom Mortgage inquiring on when the notary service would contact me. The last time I contacted Freedom Mortgage was XX/XX/XXXX, the representative gave me a number to call directly to the notary service. When I contacted the notary service I was told my paperwork had expired. I asked the Notary service why they did not contact me, they stated they had called on three occasions but I didnt answer the phone. I asked why they did not leave a voicemail and she responded that their policy is to not leave voicemails. She also mentioned that my caller ID would show scam likely. I then contacted Freedom Mortgage to see what can be done. This was early in XX/XX/XXXX, customer service at Freedom confirmed my modification had lapsed and that she would resubmit it. Today XX/XX/XXXX I called Freedom Mortgage to ask when my modification paperwork would arrive. I was out on a brief hold and then told the agent I spoke with a few weeks ago did not submit the modification request.