davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Union Credit Corporation (GA)

Union credit is making a second attempt to collect on a debt that is not mine, Union alleged that the debt is from a hospital I explain to the rep it is not my debt She was rude, kept calling back from different numbers proof enclosed I want an itemized list of the debt that they allege is mine I tried to explain to the rep that I am fully insured so the debt is not mine I reported them here. Which they are under another name, which should be illegal now their name is Union credit. When I reported them here they remove the debt a few months later they put the debt back only under a new name They have repeatedly harass me on my cell phone calling day in and day out when they were told to stop, letters were returned to them at the same address as their first business name this Union credit is a new name but same people I feel this company is shady and taking advantage of the community
Consumer complaint received 2018-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (LA)

This is a minor issue as this account is scheduled to fall off my report next year. XXXX XXXX XXXX company no longer has a vested interest in this account as it has been charged off and sold to a collection agency. Im respectfully asking them to remove this closed account from the three credit reporting agencies.
Consumer complaint received 2018-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (LA)

This is a minor issue as this account is scheduled to fall off my report next year. XXXX XXXX XXXX company no longer has a vested interest in this account as it has been charged off and sold to a collection agency. Im respectfully asking them to remove this closed account from the three credit reporting agencies.
Consumer complaint received 2021-12-06
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. (GA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX {$390.00} XXXX {$0.00} XXXX {$5500.00}
Consumer complaint received 2018-08-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: TD BANK US HOLDING COMPANY (NJ)

TD Bank without my knowledge or permission withdrew money from my checking account to pay the fee for my safety deposit box! As a result one or more of my checks drawn on my checking account bounced and TD Bank then charged me bounced check fees! I have always in my own hsvevmailed in a check to TD Bank to pay the safety deposit box fee!
Consumer complaint received 2024-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my final notice that the items I disputed on my credit report were not validated and XXXX have been due to the XXXX data breach. See the attached FTC report and XXXX data breach claim id and remove the following accounts from my credit report. I have been keeping record of my correspondence with you and being that I have been trying to get this removed since XXXX of 2023, I am expecting the following accounts to be removed within 14 days : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (PA)

I have been a victim of a rental scam. The individuals posted an ad on a page in XXXX called " XXXX XXXX XXXX '' and were advertising a 3 bedroom and 2 bath apartment for {$1500.00} with all utilities included. They provided a phone number 4 to my husband and when I called I spoke to a woman and her husband who claimed a {$950.00} security deposit would be needed to hold the apartment and a {$1500.00} 1st month rent due on XX/XX/XXXX on move day. When I asked her if I could view the apartment she insisted that she had puerto rican tenants still living there and they won't be leaving until the XXXX of XXXX. She asked for my ID and my paystubs then called me XXXX minutes later stating I was approved based on their background check, then told me she had a bunch of people interested but if I really wanted the apartment she can hold it for me with the {$950.00} deposit, she then sent me the lease via text stating her email wasn't working. I went ahead and sent her the {$950.00} via XXXX  to email XXXX which is registered under a person named XXXX XXXX. A few minutes after that payment I see an ad in the XXXX XXXX stating their ad was a scam, so I texted her back and told her I want a refund because I just found out they were scammers. She advised me she would return the money and also take me to court for defamation. I haven't received my money back. Their phone number is a textnow phone # and the support team has already advised they will assist in the investigation, I would like to have this case investigated. They are currently posting online in different groups/states/cities stating they have apartments for rent. 

This all happened on XX/XX/22
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

I am writing this complaint due to numerous federal violations of the FCRA. Specially, 15 USC 1681g ( a ) ( 5 ) which states a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

There are numerous fraudulent inquiries reporting on my credit report that I did not authorize nor give my permission to apply for any credit in my name. I have written to the credit bureau, filed an FTC report ( REPORT # XXXX ), called the bureau numerous times without success in removing these fraudulent inquiries. More than 30 days have elapsed since I have written to the credit bureau and these inquiries MUST be deleted immediately. Additionally, since the credit bureau continues to violate my rights as a consumer, my rights to privacy and numerous violations of the FCRA including 15 USC 1681g ( a ) ( 5 ), the bureau is liable to me at a {$1000.00} for each continued violation. I AM ALSO IMPACTED BY THE EQUIFAX DATA BREACH AS A VICTIM.

I DEMAND THAT THESE FRAUDULENT INQUIRIES ARE REMOVED IMMEDIATELY AND MY FEDERAL RIGHTS CEASE TO BE VIOLATED.
Consumer complaint received 2022-07-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

I filed a dispute with Wells Fargo on XX/XX/2022 after noticing fradulent charges made on my account. I was given a claim # XXXX. I received an email today on the XXXX day stating the claim is complete. I reached out to the bank and was told my claim was denied and they could not give me any more information. I requested to have the documentation on how the fraudulent charges were investigated. I was told because of federal regulations they could not provide that information. Its very convient that the bank would wait until day 9 to claim they investigated the charges and deny the claim. Clearly there was never an investigation and they can not provide me proof. I asked for a supervision and was placed on hold for an entire hour for them to drop the call. Again they waited until day 9 to say the claim is denied its so obvious that this bank has unfair practices and it needs to be address on a higher level.
Consumer complaint received 2018-08-26
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've requested since XX/XX/2018 that Experian provide all documents regarding this loan. Account # XXXX XXXX XXXX XXXX XXXX. My concern is I don't remember signing a loan for {$13000.00} as reported by Experian as the original balance. Or the other amount reported of {$9600.00} as the credit limit or original amount. All my disputes for this accounts have come back as validated. If this is a consolidation I need proof of all loan documents with my original signature, dates of loans, and schools. A promissory note isn't proof of loans.
Consumer complaint received 2018-08-26
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: EQUIFAX, INC. (FL)

I've requested since XX/XX/2018 that XXXX provide all documents regarding this loan. Account # XXXX XXXX XXXX XXXX XXXX. My concern is I don't remember signing a loan for {$13000.00} as reported by XXXX as the original balance. Or the other amount reported of {$9600.00} as the credit limit or original amount. All my disputes for this accounts have come back as validated. If this is a consolidation I need proof of all loan documents with my original signature, dates of loans, and schools. A promissory note isn't proof of loans.
Consumer complaint received 2018-08-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NC)

Paid reinstatement amount stated by Ocwen in XX/XX/XXXX for {$25000.00}. 
Loan was reinstated Next payment was due XX/XX/XXXX. 
Ocwen applied funds to account and state I owed another {$6500.00} in XXXX. 
I contested this and was stonewalled when I tried to call on numerous times with the person on the phone who promised that this would be resolved. 
My account was frozen in XXXX stating I owed {$1000.00}, but they refused to use money in a suspense account totally {$1000.00}. 
No resolution was ever offered to apply funds properly. 
Account went into foreclosure Property sold to Ocwen ( XXXX XXXX, XXXX ) on XX/XX/XXXX. 
Have been trying to speak to someone about purchasing the home, but have not been allowed to speak to anyone who can make this decision. 
I have retained a lawyer who has tried, unsuccessfully, to speak to someone at Ocwen, they have continually referred us to a company called XXXX. 
This would have never gone to foreclosure if Ocwen honored the reinstatement in XX/XX/XXXX. Through their accounting, application of the {$25000.00} payment, and refusal to allow me to speak to anyone higher than customer service when I call in, have taken my home and given me nothing in the way of any recognition or resolution to the XX/XX/XXXX payment or suspense account money that was never applied.
Consumer complaint received 2018-08-26
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (DE)

I had an auto payment plan set up for my lease payment though GM financial. They reported I never paid my lease payment for XX/XX/2018. I have since confirmed on XX/XX/18 that XXXX dollars was withdrawn from my checking account for the lease payment. I open a complaint with GM in regards to the matter and they said they would dispute the late payment. The late payment still reflects on my credit.
Consumer complaint received 2018-08-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Cooling & Winter LLC ()

Dear Sirs/Madams Re : Illegal litigation practices, using the GA court system for the purpose of intimidation, deceptive court filing to coerce consumers to pay, faulty/unsubstantiated evidence to churn out a lawsuit, violation of Dodd-Frank Wall Street Reform, violation of Consumer Protection Acts prohibition, violation of the Fair Debt Collection Practices Act, by Cooling & Winter LLC and/or XXXX  XXXX XXXX. 


In response to the attached letter left at a relative 's address, I received a copy of the letter via e-mail, shortly after contacting XXXX XXXX XXXX asking again for a feasible repayment plan. 

The letter sent via CFPB, dated XX/XX/2018, contradicted the letter sent via XXXX County, dated XX/XX/2018. 


Perhaps the CFPB should make Cooling & Winter LLC and/or XXXX XXXX XXXX. 

pay {$3.00} XXXX to the Civil Penalty Fund.

Again, I do not reside in the jurisdiction of Henry County court. Furthermore I am not able to travel over there to attend the meeting, scheduled on XX/XX/2018. 



This expired debt was charged off by XXXX XXXX XXXX ( the creditor ) and then the written-off / worthless debt was sold to Cooling & Winter LLC ( the debt collector ). Both the creditor and its debt collector failed to properly offer me a repayment arrangement and now they also failed to properly inform me about their intention to file a lawsuit. My calls to XXXX XXXX XXXX and Cooling & Winter LLC get re-routed to robotic assistant, voice mailbox and then terminated. Now the collector is attempting to win by default judgment. 

I have an on-going case here in XXXX/XXXX and can not leave. XXXX XXXX  XXXX and/or Cooling & Winter LLC are welcome to lodge their claim in a court in XXXX, XXXX. Nevertheless, XXXX/XXXX laws require proof of failed resolutions via out-of-court communication as the first step before a proper lawsuit can be filed in a court. 


Regards XXXX XXXX
Consumer complaint received 2018-08-26
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. (TX)

transunion and XXXX  have not fixed any of the inaccurate information on my report sent all doc 's and all the information they requested
Consumer complaint received 2018-08-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Dear Sirs/Madams Re : Illegal litigation practices, using the GA court system for the purpose of intimidation, deceptive court filing to coerce consumers to pay, faulty/unsubstantiated evidence to churn out a lawsuit, violation of Dodd-Frank Wall Street Reform, violation of Consumer Protection Acts prohibition, violation of the Fair Debt Collection Practices Act, by XXXX XXXX XXXX XXXX and/or Bank of America. 


In response to the attached letter left at a relative 's address, I received a copy of the letter via e-mail, shortly after contacting Bank of America asking  again for a feasible repayment plan. 

The letter sent via CFPB, dated XX/XX/2018, contradicted the letter sent via XXXX County, dated XX/XX/2018. 


Perhaps the CFPB should make XXXX XXXX XXXX XXXX and/or Bank of America. 

pay {$3.00} XXXX to the Civil Penalty Fund. 


Again, I do not reside in the jurisdiction of XXXX County court. Furthermore I am not able to travel over there to attend the meeting, scheduled on XX/XX/2018. 



This expired debt was charged off by Bank of America ( the creditor ) and then the written-off / worthless debt was sold to XXXX XXXX XXXX XXXX ( the debt collector ). Both the creditor and its debt collector failed to properly offer me a repayment arrangement and now they also failed to properly inform me about their intention to file a lawsuit. My calls to Bank of America and XXXX XXXX XXXX XXXX get re-routed to robotic assistant, voice mailbox and then terminated. Now the collector is attempting to win by default judgment. 

I have an on-going case here in XXXX/XXXX and can not leave. Bank of America and/or XXXX XXXX XXXX XXXX are welcome to lodge their claim in a court in XXXX, XXXX. Nevertheless, XXXX/XXXX  laws require proof of failed resolutions via out-of-court communication as the first step before a proper lawsuit can be filed in a court. 


Regards XXXX XXXX
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for late closed, charge off and collection. I have tried numerous times to have this situation resolved with no resolutions. Inaccurate Names : XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX ; Inaccurate Addresses : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX ; Accounts : 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 2022-07-09
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. (CA)

I NEED TO BE PROVIDED WITH THE METHOD OF VERIFICATION THEY USED TO VERIFY THIS INQUIRY OR DISPUTE INQUIRY MUST BE REMOVE/DELETE A summary of the results are listed below : ID : Current Address THE CURRENT ADDRESS HAS BEEN ADDED/UPDATED PER THE INFORMATION PROVIDED. Inquiry : XXXX XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry : XXXX XXXX, XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. IN REFERENCE TO YOUR QUESTION REGARDING INQUIRIES : INQUIRIES ARE A MATTER OF FACT AND ARE NOT ROUTINELY REMOVED FROM THE CREDIT FILE. THEY ARE A TRACKING RECORD AND A REQUIREMENT OF THE FAIR CREDIT REPORTING ACT. THEY MUST REMAIN ON THE FILE FOR TWO YEARS FOR EMPLOYMENT PURPOSES AND ONE YEAR FOR OTHER PURPOSES. HOWEVER, IT IS OUR POLICY TO RETAIN ALL INQUIRIES FOR TWO YEARS. INQUIRIES ARE ALSO FOR THE CONSUMERS BENEFIT, AS YOU HAVE A RIGHT TO KNOW WHAT FIRMS HAVE ACCESSED YOUR CREDIT FILE.
Consumer complaint received 2022-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

National Credit Systems Collection Agency contacted me, by sending a letter about a debt I owed to an apartment complex that Id never heard of ( The XXXX XXXX ) on XX/XX/XXXX. I called and inquired, they told me that it was located in a city that Id never rented an apartment in, and they suggested that it was identity theft. So, I contacted my local Sherrifs office, only to find out that the apartment complex didnt exist in the town. So, I XXXX it, and realized that it was an apartment complex that had been renamed. The previous name was as XXXX XXXX XXXXXXXX, and I was on a lease there, that ended on XX/XX/XXXX. When we had our final walkthrough inspection, and turned in the keys upon move out, I didnt owe any money. In the 1 year and 2 weeks between when I moved out, and when I received the collection notice, I had not received any bill, phone call, or otherwise, letting me know that any money was owed. So, with the collection notice, out of the blue, without notice, I do not believe that I owe anything, and believe this collection is not valid. Ive attempted to explain this to both the collection agency and the administration at the XXXX XXXX, and both times have been hung up on. They both refused to show me proof of notice, dates, etc. showing when or what this {$66.00} charge is for. It was reported to all 3 credit bureaus on XX/XX/XXXX, and my score had dropped XXXX points. I believe this is unfair/nefarious/ in error and I dont believe it is owed by me. I would like the debt to removed and dropped from my credit report.
Consumer complaint received 2019-01-09
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. (TX)

XXXX XXXX  XXXX Installment Equifax XX/XX/XXXX - {$38.00} {$190.00} XX/XX/XXXX CHARGE-OFF {$250.00} this information is incorrect i have already filed a dispute with the XXXX XXXX, and they have already updated their records and the other two credit companies XXXX and XXXX  have already updated my reports yet equifax has old out dated information, same thing with ACCOUNT NAME ACCOUNT NUMBER ACCOUNT TYPE XXXX XXXX XXXX XXXX Revolving BUREAU DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE ACCOUNT DESIGNATOR Equifax XX/XX/XXXX {$300.00} - {$150.00} XX/XX/XXXX CHARGE-OFF {$150.00} Individual this account is also out of date this account is not past due it is charged off but the amount past due is not correct there should not be any past due
Consumer complaint received 2018-08-26
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. (VA)

I submitted a dispute via XXXX to TransUnion. XXXX website stated it was received on XX/XX/2018 and that the investigation should be completed by XX/XX/2018. It is a month after the investigation due date and the website still shows my dispute is under investigation. Id like to have those items removed since TansUnion hasnt completed their investigation.
Consumer complaint received 2018-08-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

This is a follow up to complaint XXXX - Wells Fargo has called and left message to call them back. We do not wish to talk over the phone and request all correspondence in writing since we will take them to court if needed. 

One of our main issues with them is the differences in communication on the phone and in writing. This is not acceptable and we should ask our calls reviewed during the discovery. 

We know we can not be the only ones who are in this similar situation - are you aware of a class action that we could join?