davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-02
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. (CA)

I the consumer XXXX XXXX have unauthorized inquires and an account present on my consumer report that originated from identity theft. 15 usc 1681 ( c ) -2 states that consumer reporting agencies have to block and remove inquiries related to identity theft. Unauthorized inquiries and account are as followed. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX/XXXX  XXXX
Consumer complaint received 2021-08-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Capital Accounts, LLC (TX)

It is come to my attention that you are sending me a bill for a place called XXXX XXXX for {$420.00}. 

I do not want to sound harsh that nor do I want to cause friction, but this place never did any services I came in for a consultation and they showed me around and showed me a sample of what they could do.

Now comes my legal information for you and as per the FCRA I am going to send this bill back to them and I ask you to cease and desist from billing me.

If it continues, I am going to file the state of Texas against both as a medical facility and you for collecting practices.

I will not hesitate to write to the State of Texas about this. And to the Federal Government.
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EOS Holdings, Inc. (MD)

This complaint is regarding a third party debt collector furnishing an alleged debt on my consumer report without prior attempts to validate. Thus in violation of 15 USC 1692c ( a ) ( b ). 

On XX/XX/2021 I sent a certified Affidavit of Truth to EOS CCA alerting the company of my consumer rights that they are in violation of along side of this debt been alleged and as of XX/XX/2021 this company has not responded.

Under TILA, FCRA, FDCPA Congress states I am the consumer, The natural person.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am writing to express my deep frustration and disappointment with the repeated failures to remove fraudulent items from my account. Despite numerous attempts and assurances from your team, these fraudulent items persist, causing significant distress and financial harm. 

I provided detailed information and documentation to support my claim, including evidence of the fraudulent nature of these items. Despite my efforts, the fraudulent items were not removed from my account. 

Subsequently, I made several additional attempts to have these fraudulent items removed from my account, filing subsequent complaints and providing additional evidence to support my case. However, each attempt has been met with delays and unsuccessful outcomes. 

The continued presence of these fraudulent items on my account is not only damaging to my financial reputation but also causing me significant distress and hardship. I have made every effort to cooperate with your team and provide the necessary information to rectify this issue, yet it persists. 

I urgently request that you take immediate and decisive action to investigate and remove these fraudulent items from my account. I expect a swift resolution to this matter, including the complete removal of all unauthorized charges within [ Revised Timeframe ]. Furthermore, I insist on receiving regular updates on the progress of this matter to ensure transparency and accountability. 

Failure to address this issue promptly and satisfactorily will leave me with no choice but to explore further avenues of resolution, including reporting this matter to relevant regulatory authorities and seeking legal remedies to protect my rights as a consumer. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 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 2021-08-02
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ATTN : I am reaching out to your company because there are fraudulent inquiries on my credit report. 

Pursuant to 1681b Permissible purposes of consumer reports I also never gave you any written consent to report anything on my consumer report. 

By law these inquiries on this letter must be deleted immediately Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
No consent is IDENTITY THEFT! 

XXXX XXXX XXXX Inquiry : XX/XX/2020 XXXX/XXXX  Inquiry : XX/XX/2020 XXXX XXXX XXXX Inquiry : XX/XX/2020
Consumer complaint received 2021-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (PA)

My school district tax payment is due for a discount on XX/XX/31. I did not receive any information from PHH Mortgage about this payment, so I assumed that they received the tax bill. I assumed as much because, in XXXX, I was notified by them that they did not receive the XXXX XXXX tax bill that was due at a discount on XX/XX/31. I have had other issues with them in the past, so I contacted them on Friday, XX/XX/XXXX. They informed me then that they did not receive the tax bill. When asked why I wasn't notified, they could not provide an answer. I'm actively trying to obtain a copy of the tax bill and forward it for payment, but they haven't provided sufficient lead time, and I am concerned that they will not be able to pay it at the discount.
Consumer complaint received 2021-08-02
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. (FL)

After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance with Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error. I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission with my original letter, which I have attached to this complaint, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of constructive fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you
Consumer complaint received 2021-08-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: AMERICAN EXPRESS COMPANY (VA)

My mother-in-law purchased an American Express Serve card thinking that it was a gift card. The product was placed in the store amongst the other gift cards and came in packaging that looks like a gift card. In order to use the card, you are required to set up an account with American Express and provide identifying personal information including a social security number. This is product is marketed in a deceitful manner that makes it appear to be a gift card when it is actually a ploy to either harvest personal data, or steal money from people who load it at the store. 

I contacted the number on the card XXXX and was told that setting up an account is the only way to use the card.
Consumer complaint received 2022-01-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MD)

my mortgage company keeps overcharging me for taxes and insurance and they have added an extra charge for a past due amount when there is none. 
for XX/XX/2021 bill taxes and insurance is a total of {$150.00}, based on the city tax bill and my insurance premium but they charge me {$270.00} plus a past due amount of {$15.00} and payment was made on the XXXX. 

they have charged me for a year and I cant seem to get an explanation as to why. for the past 12 months, I have been charged {$1500.00} without a logical explanation. 

I have 2 loans with them and it's the same thing twice. 

this can't be legal.
Consumer complaint received 2021-08-02
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: EQUIFAX, INC. (NJ)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021
Consumer complaint received 2020-01-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (FL)

I contacted fed loans in regards rehabilitate my student loans. I was informed that they transferred to department of education over 6 months ago. I contacted department of educate and they advised they do not have any record of the loans being transferred and that fed loans has my student loans. I contacted fed loans again and talked to a representative who advised me the loans were stuck in the system while being transferred and they do not have a timeframe for the transfer to be complete. I am trying to solve this matter but I am not able to due to fed loan and department of education not knowing where my loans are.
Consumer complaint received 2021-08-02
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: EQUIFAX, INC. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE.

INITIAL DISPUTE XX/XX/2021
Consumer complaint received 2021-08-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (IN)

I Notice two Derogatory accounts on my credit report from Wakefield and Associates so I sent the first letter to request for Validation with in 30 day of receiving the certified letter 30 days to investigate this information and during such time all collection activity must cease and desist. 30days later there was no response Next I sent a final letter and started this complaint.
Consumer complaint received 2021-08-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NV)

Pennymac bought my mortgage.

I sent first payment by mail on XX/XX/2021. 

They claim they never received. I called several times in the month to see if they received. 

XXXX  payment which arrived in Pennymac processing center on XX/XX/2021 confirmed by Pennymac customer service. They said would be processed that day/evening after hours. Said I could call back Saturday morning XX/XX/2021 and confirm. Said payment would be counted as received because XXXX confirmed receipt. 

Saturday XX/XX/2021 they stated that they couldn't confirm receipt because its the weekend and they can't contact the cashier department. This is not what customer service agent XXXX said on XX/XX/2021. She said they'd be open. 

I can not as of yet confirm that payment was received. XXXX in their XXXX Tx office says there's a '60 day grace period for new customers '. I dont need that because I'm TRYING to pay them. This is a scam. They want electronic payment and a late fee. I need CFPB help to make sure my payments are received and that I am not charged late fees.
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

I am filing a complaint on XXXX, XXXX  & Experian due to failure to report accurate information on my credit file. I have contacted the company my phone, via mail and onlin disputes.

The company has violated my rights accoridng to the FCRA section 601. Several accounts listed on my report have factual discrepancys. The FCRA states that a charge off account cant reflect any current activity such as a balance. The account must state the last date of payment/ activity. When this account was charged off. The account cant report each month as a C/O on the credit reporting. This is a direct violation. There should be a balance of {$0.00}.

Also each bureau should reflect the same information accurately.

The following accounts are in violation and need to be deleted XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I am filing a complaint on XXXX, Equifax & XXXX  due to failure to report accurate information on my credit file. I have contacted the company my phone, via mail and onlin disputes.

The company has violated my rights accoridng to the FCRA section 601. Several accounts listed on my report have factual discrepancys. The FCRA states that a charge off account cant reflect any current activity such as a balance. The account must state the last date of payment/ activity. When this account was charged off. The account cant report each month as a C/O on the credit reporting. This is a direct violation. There should be a balance of {$0.00}.

Also each bureau should reflect the same information accurately. 

The following accounts are in violation and need to be deleted XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2022-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

This complaint is principally made in order to provide additional documents to the matter of CFPB complaint XXXX regarding Capital One 's charging of late fees on a closed account. 

The attachment includes all statements from XXXX through XXXX, showing the additional late charges and interest charged on a CLOSED account. 

It appears Capital One stopped charging late fees after I complained to the CFPB. 

In a phone call today, XX/XX/2022, I called the PRIVACY phone number ( XXXX ) XXXX to opt out of personal information sharing to affiliates regarding my creditworthiness and affiliates and nonaffiliates to market to me. 

That number had a recording that the purpose of the call was collection of a debt. The representative identified herself as a general customer service agent. As I told her, I called the direct privacy phone number, not the general toll-free customer service phone number, ( XXXX ) XXXX. She said she needed to forward me to the privacy representative. That representative would not accept my election even after I identified the three types of information I am allowed pursuant to federal law to opt out. He said he needed to transfer me to a supervisor. This conduct is not consistent with the regulations regarding privacy opt out. It is required not to be on the general toll free number and has nothing to do with debt collection. The account is closed. Capital One, if it insists may take me to court based on the balance at the time of account closure. I simply want to opt out of Capital One sharing my personal information as allowed by federal law.
Consumer complaint received 2021-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NV)

RESURGENT CAPITAL SERVICES IS TRYING TO COLLECT ON A DEBT THAT IM NOT FAMILIAR WITH, I DO NOT OWE THAT COMPANY ANYTHING. I AM XXXX AND ON XXXX, WHICH MEANS MY INCOME IS FEDERALLY PROTECTED FROM PEOPLE LIKE THIS. I WOULD APRECIATE IF YOU QUIT CONTACTING ME ON THID MATTER.
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

Transunion and equifax are reporting tax liens, judgements, and public records on my account,. They are not doing proper Investigation because they are paid by the creditor to report items that are not supposed to be in there. Everytime I try to dispute with the credit bureaus the representatives are always nast, and rude., my only option is to report it to the consumer financial protection bureau so they can enforce the rules, regulations, an laws to these bureaus so that they can stop purposely trying to block the consumer from mortgages, loans, and credit the consumer deserves, the credit bureaus are reporting XXXX XXXX and XXXX XXXX XXXX XXXX liens, they are violating the FCRA by reporting tax lien, judgements a, and public records,. They still put a judgement on my credit report by XXXX XXXX XXXX XXXX which keeps disguising an eviction judgement as a collection loan,. I have attached the judgement case number and court te judgement was filed, hopefully this time the consumer financial protection bureau can enforce the credit bureaus to remove this judgement, and XXXX tax liens totaling {$34.00}, XXXX. these liens need to be removed. Also equifax keeps reporting closed accounts negatively, and keeping negative items on my credit report more than XXXX yrs, and reporting positive accounts negatively, they also have an old child support account on my credit they will not remove even after XXXX yrs of credit reporting
Consumer complaint received 2018-03-02
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION (AL)

Either XXXX or Sallie Mae calls me 10 to 15 times per day. There's a man named " XXXX '' that keeps calling -- he knows my circumstances but apparently doesn't listen and doesn't want me to eat. The only money I have coming in right now is money from the government. XXXX is trying to take that money and is threatening a freeze on my only account. He's also threatening a freeze on my mother 's accounts. This guys is AWFUL and does not work with you on anything. // || \ ***My son has been fighting XXXX since XX/XX/2016. He's undergone XXXX, has an XXXX XXXX  above his XXXX, requires frequent trips to the hospital for XXXX XXXX, and ***these XXXX XXXX XXXX have not given me a single ounce of sympathy!!! *** If they need pictures, I have pictures! I have video, too! Do they want his XXXX XXXX, too? I'd LOVE to send those to XXXX! To add insult to injury, ***I LOST MY JOB, TOO*** How did XXXX respond ? " That's not my problem ''. You can't make this stuff up, folks.
Consumer complaint received 2021-08-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (FL)

Santander USA charged my bank account ACH using my routing and bank number with out authorization, causing overdraft fees on my bank account. These XXXX fees were charged XX/XX/XXXX XXXX XXXX. I made a payment to Santander USA by using my debit card for the amount of XXXX +a fee to process the payment through speedpay on XX/XX/XXXX. I did not authorize the prior payments that were attempted 2 on my account. I do not have auto pay set up at all. I have my stamens come by mail every month which was recently changed to electronic paperless without my permission. By Santander USA attempting to charge my account t for my car note they commuted fraud. I did not authorize the ACH by bank routing number and account number. I did however only authorize my debit card payment. 
As a result of the fraud commuted Santander USA charged me a XXXX fee for the 2 ACH payments being returned which rolled over into the following months payment in XXXX. I have had XXXX dealings with Santander in the past with payments not being applied appropriately to my account that resulted in a audit. Santander has also reported payments late 30 days late, 60 days late when payments were never 60 days or 30 days late. I have disputed this information with the credit bureaus and most of my credit reports have been fixed. 
If my payment is 2 weeks late this does not justify 30 days late to report inaccurate information reflecting negatively on my credit report. Another issue Santander was sent a certified letter in XXXX of XXXX asking to stop the harassment of calls. Santander USA confirmed they received the letter along with my certified letter stub. In this letter I asked that I or my co-signer receive no more calls and that all communication be sent in written form. When concerning with Santander that my letter was received the representative XXXX in XXXX of XXXX also deleted our numbers from the system. I also on my phone put a block on the number ( s ) that Santander USA automated system would call from. After recently looking through my XXXX call protect app the calls are blocked by the company continues to call the phone numbers associated with the account that were deleted and in writing a deceits and desist letter as mentioned above. This is a clear violation of the FCRA, and constitutes as harassment. 
I sent a message in my Santander USA app on XX/XX/XXXX putting Santander on notice yet again and asking that my credit report and my loan fees be waived. I also requested for a audit of all my payments, how it was paid and the date processed to ensure accuracy, as in accurate information has occurred on this loan several times. 

I have all documentation to support my claim as stated above.