davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (TN)

I had a bill from XXXX insurance of {$340.00} go into collections back in XX/XX/XXXX. The account was taken over by Credit Collection Services. On XX/XX/XXXX I paid and settle the debt for {$250.00} with XXXX XXXX XXXX. The company XXXX XXXX XXXX updated the account in XX/XX/XXXX as in collections but paid and settled. They continue to report the account in collections but as paid and settled still as of now. I have reached out to XXXX XXXX XXXX and they said they can not help me. I have also reached out to XXXX and filed multiple disputes but have gotten no help and no proper update on my credit report. Please help me with this matter. Thank you
Consumer complaint received 2019-10-07
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (VA)

I reported to my bank ( XXXX ) that my card was used without my authorization. Turned off the card but my bank couldnt help me until the next business day XX/XX/19 then they tell me they cant help me until the transactions were posted. They do their investigation and come to find out my card Information was used to western union to two random people in XXXX. I know its fraud because the phone number they used to verify it was me has been disconnected for years & they used an email address I have never created or used. If the IP addresses are compared well see who is telling the truth. The scammer used a passport to receive the money.
Consumer complaint received 2022-02-04
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Consumer Adjustment Company Incorporated (TX)

On the XXXX  on XXXX I told them to stop calling me every day and just to send whatever information to my house. 
They did not. 
And have continued to call me most days XXXX XXXX XXXX XXXX XXXX XXXX pm XXXX XXXX XXXX XXXX XXXX XXXX XXXX pm XXXX XXXX XXXX pm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am
Consumer complaint received 2021-10-28
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. (CA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.
Consumer complaint received 2024-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FREEDOM FINANCIAL NETWORK (NY)

XX/XX/XXXX Freedom debt relief negotiated with Customer Back to settle my outstanding debt of {$14000.00} for {$4300.00}. which was to be paid within 15 days of XX/XX/XXXX per a conversation with freedom debt they issued a certified to XXXX Bank for the settled amount. This check was cashed in XXXX of XXXX and put on the balance of the account instead of settling and closing this debt. Finally in late XX/XX/XXXX of XXXX i received a phone call from XXXX XXXX XXXX XXXX XXXX attempting to collect on this debt. I called Freedom Debt and since then they supposably have been in contact with XXXX Bank trying to resolve this issue. XX/XX/XXXX i received a letter from XXXX XXXX stating i agreed to a settlement of {$4500.00}. they have called me multiple times since.
Consumer complaint received 2022-10-07
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)

Im trying to personally fix the errors in my credit reporting. Instead Im dealing with more issues. I payed of a bill in full with XXXX XXXX XXXX Account Number : XXXX for {$340.00} they falsely added a second account. Which I had already complained about through the all three credit Bureaus. The company did more research to find out I was right. The second account that was made after I filed a complaint. Was false and misleading for {$580.00}. 
These charges are to be off my account. There is no consistency. Trans Union took off these charges. But add a false XXXX XXXX bill. 
XXXX Account XXXX Open XXXX Highest Credits : {$0.00} Balance : {$94.00} Then there is the issues of the false inquiries. 
XXXX has found no merit to these hard inquiries. But Trans Union who have showed no proof. Refuse to take them off with no proof at all. Please help me with these companies false reporting. I filed for the XX/XX/22 this has been more than 30 days. Please help me clear up these mistakes.
Consumer complaint received 2018-08-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENTAGON FEDERAL CREDIT UNION (NH)

I XXXX XXXX have recently gone through a great deal of personal hardship. This hardship was caused initially from a XXXX my husband had, along with his fight against XXXX. However, there are several credit cards where I was added on as a user only, and its time that I request the removal of my name off of the accounts of my husband XXXX XXXX. I also demand the deletion of these accounts from every pertinent credit reporting agencies, XXXX, XXXX  and XXXX XXXX respectively. I believe its necessary to file my notice through the Consumer Financial Protection Bureau, as I do not see these creditors working fairly or quickly. Accordingly, I request the deletion of these items from my credit bureaus and the purging of my information with each financial institution.
Consumer complaint received 2022-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (FL)

Homepoint Financial Paid my new insurance carrier ( I switched carriers ) on XX/XX/2022 for two insurance policies -Homeowners policy {$2300.00}, Wind {$1100.00}, and assumed a third policy from my previous agent for Flood {$1900.00}, and my escrow account was negative $ XXXX. A few weeks later I added {$4500.00} to my escrow account. Meanwhile the check that was paid out by Homepoint on the XXXX of XXXX was lost, and never received by the insurance company. After many calls and an " investigation '' done by Homepoint, they had no information on the check, so they paid my insurance carrier another {$2300.00} for the lost check, out of MY ESCROW and now I'm out ANOTHER {$2300.00}!!!!!!!!!!!!!! Homeoint financial double paid my carrier and lost one of the checks and stole {$2300.00} from me.
Consumer complaint received 2019-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MN)

On XX/XX/2019 I tried to transfer XXXX $ to Usaa the bank gave me access to XXXX $ of the XXXX $ amount. And tell me that my other funds the XXXX $ are on hold from the bank for an entire week, not a few days like I have typically seen before. I find it very frustrating after banking with them for years that they dont lift holds and will not work with me. I need those funds to pay a car payment that will now have to sit and wait because of this. I have never had a funds hold for an entire week at any financial institution I have banked at completely thrown off that this kind of behavior would happen.
Consumer complaint received 2018-08-21
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TX)

Starting on XXXX the XXXX I started requesting a payoff notice to be sent to our title company to sell our house. Every time I am told it will take 24 to 48 hours. I have tried this process over the phone at least 4 to five times over the last two weeks and at l ; east 2 times through the online chat. As well as there is a document viewer on the website I was told I would be able to view the payoff statement every time I try I'm just given an error code. When I asked why I can not view this no one can even give me an answer. This is causing me to have to pay two home payments every month because we are already out of that home into a new one and can not sell without that statement. The title company has everything else they need and we are only waiting on that one document. They are very unprofessional and apparently all of my calls are being answered in a call center in another country every time I ask where I can file a complaint I am given the run around or transferred to a busy line or disconnected on. Today XXXX the XXXX I am being told there system is having technical difficulties after they told me it would be faxed within the hour. Please Help
Consumer complaint received 2023-04-09
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. (IN)

Numerous of unauthorized hard inquiries on my credit report from XXXX and Equifax. I've tried to call XXXX to get these inquiries removed but they keep denying.
Consumer complaint received 2018-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cottonwood Financial Ltd. (TX)

This collection agency, XXXX XXXX XXXX, is a well-known scam collection agency. They put a negative on your credit claiming some unknown or unclear previous creditor with the hope that the innocent victim, meaning me, can get shook down to pay them some amount, so as to get it of their credit file. I have no idea what they are claiming that I owe them {$3500.00} for. It show on my credit that the original creditor was " Cash Store '', which I believe is a payday loan company. I have never applied for or received any amounts from any such places. I contacted this company and they can not provide any evidence, signed documents, or any details whatsoever as to what they are basing their claim on. This is just a SHAKE DOWN scam operation that should be prosecuted by the U.S. Government.
Consumer complaint received 2022-02-04
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. (AL)

I have attempted every ave I can think of. XXXX refuses to remove me from the students loans procured by my ex husband. One of the loans are in my name as a primary and I never attend the school. This has caused me 15 years of bad credit scores because the payments are not on time or paid at all. I am not sure where else to go with this but Im hopeful someone will take the time to help me with this
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I contacted Experian after being denied housing due to my credit report. After imitating several disputes and spoken with a customer rep. I requested a copy of the consumer contract of all account that are affecting my account negativity as well as the the companies that have pulled an hard inquiry on my credit without my consent and the customer rep refused to mail it to as well as any other information that would verify that these are my accounts. Or I have given the companies permission to access my account and pull a hard inquiry The companies are- whom are negatively reporting XXXX XXXX XXXX and the actual debt had already been reported once and removed and.now being reported again. 
The customer rep refused my right to exercise my rights according to the la The hard inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unspecified reason XXXX XXXX XXXX XXXX XXXX XXXX- unspecified reson XXXX XXXX XXXX - unspecified reason XXXX XXXX XXXX XXXX XXXX unspecified - XX/XX/16
Consumer complaint received 2024-03-06
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. (GA)

There is a XXXX XXXX XXXX XXXX reporting on my credit report that is not mine. I don't know where it came from. Maybe it is reporting in error. But in any case, please assist me in getting this removed from my Transunion credit report.
Consumer complaint received 2022-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

Citizens bank took over XXXX starting XX/XX/2022. The accounts were supposed to be activated on friday, XX/XX/XXXX. My company sent my payroll to the new Citizens bank account on Friday, XX/XX/XXXX as they instructed us to do in several letters. This was a holiday weekend and essentially I had no access to my money. On Tuesday, my paycheck is not in my account. After waiting on hold for over 1 hour, I am told that the money was sent back to my company because my account was not activated until Saturday, XXXX XXXX. I email my payroll dept and the monies were not sent back. The payroll manger with to citizens on his lunch hour - unfortunately he was a XXXX customer as well and was told they were working on it. To this date, my paycheck is not in my account, I have bills to pay and the rent will be due soon. Citizens should not have taken over XXXX if they were not equipped to handle the XXXX customers and to be told your money will be there soon is not acceptable.
Consumer complaint received 2021-06-12
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: ALLY FINANCIAL INC. (MD)

I noticed multiple hard inquiries on my credit reports that I didn't authorize nor did I benefit from the inquiries. The date was XX/XX/2019. I have reached out to each of these companies on multiple occasions letting them know that didn't have permissible purpose but they have not removed these unauthorized hard inquiries.
Consumer complaint received 2019-10-09
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)

I have recently looked over my credit report and have discovered some false accounts reported on my credit file. These derogatory accounts were not created by me and I have no knowledge of these accounts. I have no idea who could have access to my credit report. Now because of this, I have no chance of obtaining new credit. Please conduct a re-investigation into this matter and have these derogatory accounts taken off my credit file.
Consumer complaint received 2018-08-21
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. (NY)

When the credit agency deleted the fraud address, they should have also deleted the fraudelant accounts associated with the address. CREDIT AGENCY is reporting the wrong address on my credit report, it is a fraudulent address listed as ( XXXX XXXX XXXX XXXX XXXX XXXX ) that is wrong. They are also reporting a fraud account on my report from XXXX XXXX XXXX Thats associated with that fraud address. Correct my address and remove the fraudulent address from my reports. Remove the Fraudulent account associated with that address as well, XXXX XXXX XXXX Opened XX/XX/XXXX This is not my account. My CORRECT address is, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX FRAUD ACCOUNTS ( ASSOCIATED WITH FRAUD ADDRESS ) XXXX XXXX  {$2000.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX {$830.00} Closed XXXX/XXXX Closed : XX/XX/XXXX {$760.00} Closed XXXX XXXX XXXX/XXXX  XXXX Closed : XX/XX/XXXX {$160.00} Closed XXXX/XXXX. 
XXXX XXXX XXXX.
Consumer complaint received 2018-08-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: California Accounts Service (CA)

In my opinion, this company is sending collection letters with threatening language claiming a negative credit reporting 'will ' remain on credit records for several years. The letter also generated a false sense of urgency like the sentence : Warning! This matter is very important to you and to your credit report. This is the text for a medical debt collection, the language could have been more emphatic. 

Full disclosure : The concerned debt didn't exist at first place ( false  reporting to original creditor ) so no debt resolution or contact with collector was required. 

There is also a potential debt trap as they are asking for credit card details to repay the debt. Its potential because it is not clear if in the letter they are referring to VISA, Master Card etc for debit card or credit card is also accepted In my case this was an erroneous reporting but it hurts to learn that many other less fortunate who are already suffering are getting similar harsh and potentially misleading communication.
Consumer complaint received 2018-08-21
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: VEROS CREDIT, LLC. (CA)

On XX/XX/XXXX Called XXXX asking for a defer payment for the month of XX/XX/XXXX. I explained to the customer rep XXXX. I'm unable to pay my XXXX payment due to an unexpected finance I had to invest XXXX to replace my car key. Customer rep said that was not a reason to be placed on defer payment due to not enough resources given. 

On XX/XX/XXXX I spoke to another customer service rep XXXX at XXXX in regards to my defer payment for the month of XXXX. I explained to him what cause me to financially not be able to pay my car note the month of XX/XX/XXXX due to me having to pay for a keyless entry key which the atenna broke inside the key panel. Without my keyless entry key I would not have been able to operate vehicle. XXXX verbally mentioned that proof needs to be given for the cost of my replaced key and fax to them. XXXX also verbally mentioned for me to be placed on a defer payment I would have to pay first before I can qualify for a defer payment a " Commitment fee '' of XXXX in order to be granted a defer payment. 

I have been placed on a defer payment before with Veros Credit and have not paid a " Commitment fee '' of XXXX. If I'm asking for a defer payment it's because I'm financially not able to pay my car note for the month of XX/XX/XXXX. Veros Credit is  still retailaiting against me, and making a situation difficult for myself financially being a single mother. I'm also receiving numerous calls from Veros Credit every day, which is an hindrance on my work performance at work. I am not able to answer calls while I'm working due to the type of work I do. 

Do to previous complaints I have filed on Veros Credit ; I still have not recieved an idiomized receipt on insurance Veros Credit has added to my car payment. Veros Credit also mentioned in previous complaint I filed that the insurance that was added to my car payment is added in my contract until I pay off the car. How is it that an insurance policy added to my contract is now attached to my car payment until my loan is paid off? Veros credit mentioned that they were giving me 10 courtsey days after due date on the XXXX to give me time to pay my car payment. Veros Credit already gives a 10 day grace period which does not allow me to succeed with good credit. 

Veros credit still has not compromised with myself putting car payment back to the XXXX. My car payment was initially on the XXXX and Veros Credit took it upon themselves to change my due date on the XXXX. I am unable to pay my car payment on the XXXX of each month do to me having to pay rent the XXXX of the month. I have attached an old defer payment that was given from Veros Credit last year XXXX, and I was not charged a " Commitment fee '' of XXXX. I have attached proof of my receipt ; replacing my keyless entry key. 

I also have attached 2 days of harrassment calls from Veros Credit employees. I look forward to hearing from someone about my matter that has been on going for 3 years with the unethical values of Veros Credit. 

Thank you
Consumer complaint received 2023-06-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC. (WI)

XXXX XXXX XXXX has garnished my check from a debt in XXXX which I was given a 1099C in which I had to file on my taxes which I sent a copy to them 3 times with the last paperwork being sent certified in XXXX. I reported this issue to them on XX/XX/XXXX they sent me a letter stating that they were going to reopen the judgement and amend to correct my name. My question then if is closed how are adding different employment for me on the judgement which had a place of employment I had never worked. They are sending my information to third parties which they did during COVID-! 9. My information was sent to New Jersey and I get a letter from the state that my PP loan was denied they informed I would have to get a IP PIN to file taxes for the rest of my life. Now on XX/XX/XXXX I get a letter with same case number for HSBC Bank which was on the original judgement now they change the name of the company to XXXX XXXX XXXX XXXX with the same case number XXXX. I'm a over XXXX and work a seasonal job to help with expenses. They have violated so FDCPA laws.
Consumer complaint received 2022-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC (MO)

I have had a collection account added to my credit report again for an account that was paid in full for XXXX XXXX. The collection agency is waypoint resource group. The account was paid in full and all equipment was returned and I have verified this with XXXX XXXX in the past. It is unfair that they continue to attempt to collect a debt that is not owed, and extremely unfair and unethical that they continue damaging my credit. The assumed debt owed is for {$310.00} and was opened as a collection again on XX/XX/2021. I have disputed this account yet it comes back verified which is totally false.
Consumer complaint received 2022-02-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

Sent letter on XX/XX/22 notifying ars of non compliance with the FDCPA They received my letter on XX/XX/22 I received a response on XX/XX/22 This letter did not address the non compliance of the FDCPA. Letter was a verification of debt. 

Sent double email to XXXX on XX/XX/22 with attention for legal department Now submitting cfpb complaint on XX/XX/22 XX/XX/22 Received email from XXXX XXXX ( XXXX ). Attached was 3 pdf letters standing they sent a request to XXXX XXXX, XXXX to delete the accounts from my credit report. 

He did not address my monetary relief of {$4000.00} for non compliance of the FDCPA. Submiting to credit reporting agencies to delete accounts are a action form for admission of guilt. 

Now waiting for my check. 

Attached will be my letter and the 3 pdfs