davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
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: EQUIFAX, INC. (FL)

My Equifax report has been reporting inaccurate information on my consumer report. My XXXX  account has been paid off for over a year and I have wrote to Equifax to remove but they have failed to do so. Equifax is required to report FAIR AND ACCURATE information on my consumer report. I demand the account be updated to paid or be romoved.
Consumer complaint received 2022-06-18
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: V and H Portfolio (DE)

Vance & Huffman llc keep sending me a billing statement when asked in writing for them to send me proof including a wet signature that I signed a contract with them and I owe them money as well as the original contract they can not produce. Since this collection agency can not produce original contract between me and this collection agency with my signature that I owe this collection agency money this collection account needs to be deleted from my credit reports immediately.
Consumer complaint received 2019-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I refinanced my mortgage with a new lender on XX/XX/XXXX and XXXX was wired a payoff. XXXX returned the payoff to the title company and in retaliation for refinancing with a new mortgage company XXXX reported to the credit bureau that I am 30 days past due as of XX/XX/XXXX. XXXX then accepted a higher payoff amount on XX/XX/XXXX after exorbitant fees were added. My credit report still reflects that the mortgage is open, late and 30 days past due. This information is incorrect as my mortgage is paid in full with XXXX.
Consumer complaint received 2019-10-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synerprise Consulting Services, Inc. (TX)

To whom it might concern, On XX/XX/XXXX I sent a letter to Synerprise Consulting Services to dispute the validly and terms of the reported debt under the terms of the Fair Debt Collection Practices Act and Fair Billing and Reporting Acts. ( Copy of Letter attached in pdf format, as well copy of signature reception number XXXX XXXX XXXX XXXX XXXX of certificated letter ) This company without any warning and validation of the debt placed negative information in my credit report. ( Copy in pdf attached showing negative report placed by this company SYNERPRISE CONSULTING SERVICES. ) I asked the Collection agency to Submit verification of this alleged debt and include documents mentioned in the letter mentioned above. As an answer from this copy, I just received a page saying the total amount owed is accurate. But, without sending any requested document for verification of the debt. ( Copy attached of their document ) THEY FAILED TO COMPLY MY REQUEST OF VALIDATION.

I also include three pages shows this debt does not exist. 
It was paid directly to the XXXX XXXX. 
The hospital authorized me insurance directly from XXXX XXXX what they call XXXX Connection. 
The hospital account is XXXX and all charges from XX/XX/XXXX to XX/XX/XXXX balance is XXXX. 
In copies attached shows a number which is XXXX to confirm there is not such debt. 

I want to stress I never signed any document with any company ONLY with XXXX XXXX. 
And this collection company has violated my rights according to Fair Debt Collection Practices Act and Fair Billing and Reporting Acts.

As well has caused me too much damage in different ways like : Emotional stress loses in my business as consequence of this negative report, immobilizing my life in different ways, all my invested time and affecting my family among other troubles caused by this negative report of this Collection Company SYNERPRISE CONSULTING SERVICES.

I do not forget to mention they have called me in different times and different hours which I will proof in Court with the reports of my company providing me my telephone service. Yes, I will proceed to  pursue all causes of action against this company to seek all legal actions available. Yes, I will file a suit against this Collection Company SYNERPRISE CONSULTING SERVICES. 
I kindly ask to this honorable Government Institution to apply all legal corrections and penalties to this company SYNERPRISE CONSULTING SERVICES for ALL the violations to my rights and keep me informed. 
Please if you might need any additional information or have any question, do not hesitate to contact me. 
Sincerely, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Texas, XXXX
Consumer complaint received 2019-05-10
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (AR)

On XX/XX/XXXX my brother contacted me to tell them someone called them looking for me and threatened them that they would come to his house to verify that I did not, in fact, live there. They gave the phone number XXXX with a case number of XXXX. I contacted this number and they did not identify specifically what company they were with. They said they were collection on behalf of Ace Cash Express on a loan taken out sometime in XXXX or XXXX. Repeatedly they refused to provide me with any kind of detailed information. They said the original loan is {$570.00} and they would charge me court cost of {$1900.00} and charge me with fraud. I asked the lady to please provide me with the proof of debt as required by law. She kept claiming that they don't have to provide me with any kind of proof. I am not aware of this debt and have no recollection of it. She refused to provide any documentation and simply stated that I had that when I got the loan. She transferred me then to her " supervisor '' who told me the exact thing and refused to send me anything in writing showing what I owe or the dates or amount of anything. She ultimately hung up on me and said good luck in court. I also advised them to stop contacting my family members and they said it is out of their hands they had a " state agency '' that handles that.
Consumer complaint received 2022-11-06
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. (AZ)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately 1. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2019-05-10
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: EQUIFAX, INC. (TX)

In XXXX, I applied for a refinance of my home loan. The finance company told me that in order to close my loan I had to pay a charge off on a credit card with XXXX XXXX XXXX who is now known as XXXX. I reached out to Equifax to report the error on my file and I made numerous attempts to resolve with XXXX by phone and email. When I send the email I am advised to speak to a representative, when I speak to a representative they tell me that can not research it because I do not have the card number. They can not find anything under my name or SS # on their files relating to a credit card. So I did some research myself and found that the CC that is being reported under my name as an authorized user, is my daughters account. However the card on her credit file with the same opening and closing date of the card is showing paid as agreed and paid in full in 2015. But on my credit report it is showing as a charge off. I have provided XXXX all the supporting documents and they still contend that unless I can provide them the card number they can not help me. I cant provide them a card number because I didn't have a card, she just placed me as an authorized user without my knowledge and consent as an emergency. She paid the account off in 2015 and does not have anything that shows the card number. I always thought that if the lender can not find a record for derogatory information then they were obligated to remove the line. Seeing as they can not find anything under my name or SS # I would think this would be a no brainer. However I am into my 3rd week of dealing with them and am still in the same spot I was in at the beginning, no one is willing to resolve this or prove that I entered into a card agreement with their bank.
Consumer complaint received 2019-04-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (CA)

We have FHA loan from XXXX, LTV less than 90 %, term for 30 years. 
The Informed Consumer Choice Disclosure Notice states that if the term of your loan will be greater than fifteen ( 15 ) years and LTV is 95.01 % or greater, borrow is required to pay MIP for thirty ( 30 ) years. As the loan was originated after XX/XX/XXXX, and good LTV our PMI should be cancelled. 
We are paying PMI payment is {$180.00} which is over 10 % of our mortgage payment per month. 
We have requested M & T to drop PMI but they don't agree and state it is for lifetime of the loan. This is a lot of money per month for us and we thought it was for short term and will go away as soon as we have 20 % equity build up..
Consumer complaint received 2019-05-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company (MO)

In XX/XX/XXXX, I disputed the collection account placed on my credit report, by Merchants Credit Guide, with XXXX. The debt is for {$400.00} dollars in unpaid medical bills from XXXX XXXX XXXX. The account was placed on my report as a collection in XX/XX/XXXX. XXXX   investigated the dispute by contacting the company seeking to collect the debt. On XX/XX/XXXX, XXXX updated my dispute finding that the debt of {$400.00} was verified as accurate by Merchant Credit Guide. Around the same time, early XX/XX/XXXX, I called Merchant Credit Guide to remove this collection from report. They have not done so. 

This is my third or fourth attempt to have this account removed from my credit report. Through a dispute, approximately two years prior, Merchant Credit Guide removed three other collection accounts from credit report. Merchant Credit Guide was attempting to collect medical debt from XXXX XXXX XXXX as well. 

My father died on XX/XX/XXXX, while in XXXX care at a facility likely attended to by XXXX XXXX XXXX. This is most likely his debt. He is junior and I am the third. They have likely imputed his debt to my credit report. I have never been seen by a physician at XXXX XXXX XXXX. For starters, I am XXXX years old and do not require the services of a physician with a specialty in XXXX. Furthermore, I live in XXXX XXXX, MO and my primary care physician is with XXXX XXXX XXXX. This is not my debt and I will not stand by while Merchants Credit Guide and XXXX do nothing to rectify this situation.
Consumer complaint received 2019-05-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (GA)

I have money in my Paypal account of {$270.00}. The website is not letting me transfer or request a check of my money. There are no holds on my account. Customer service is useless.
Consumer complaint received 2019-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Card Receivables Fund Incorporated (KY)

I received threatening communication from a company calling themselves XXXX XXXX, phone number and address provided below : XXXX XXXX XXXX XXXX, XXXX, GA XXXX   Phone : XXXX | Fax : XXXX Web : XXXX XXXX XXXX This was in regards to a debt they claim that I owe to XXXX. This is the same debt that was settled in a previous case with a debt collector in Ohio, Unifund CCR, LLC, in a case dismissed WITH prejudice. XXXX XXXX  and specifically their representative XXXX XXXX ( XXXX ) insist that I owe this debt.
Consumer complaint received 2024-03-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Motolease, LLC (SC)

On or about the third month of XXXX, I realized that my vehicle payment wasnt being drafted out of my account as it has always been since the beginning of the loan term in XXXX. 

After contacting the company, it was brought to my attention that someone within the company had tampered with my ACH payment stating that a payment was missed around the last fiscal quarter of XXXX without my acknowledgment ; which would make that around XXXX to XXXX of XXXX. 

I never received a written notice or anything regarding to the stated missed payment, which is between the timeframe noted above til XXXX of XXXX. Once I made contact with the creditor/ Loan / Lease company iXXXX XXXX of XXXX, it was brought to my attention that they had turned off my ACH payment causing my account to accrue back payments and late payment fees and having to pay for 2 months of loan payments in order to put my account in good standings. 


Although they previously initiated ACH payments from XX/XX/XXXX to XXXX of XXXX without any issues at all. Nevertheless, still initiating ACH payments past the stated missed payment date that was described as a system glitch. This company has been negatively impacting any type of resolve to this issues since finding out myself without any notice of any sort. 

The customer service representatives also threatened and spoke to me in a demeaning manner as if it was my fault and I had no recollection of the events leading up to. They only told me that I couldnt afford the motorcycle and that they would send someone out to take the vehicle in a very egregious manner. Although the balance was paid with my same bank account, but with a debit card. They still refused to reverse their actions and place the ACH payments coming from my Bank account back onto my Lease/ Loan payment. The creditor also blocked my access to my account prior to adding the late fees and canceling my ACH payment Arrangement, which didnt allow me as a paying consumer to a loan/ lease financial institution to view or make payments to my loan/ lease account. 

I am still looking to rectify and find a solution to this issue that has been ongoing for over a year and I am stressed from continuously telling every customer service agent this same story without any progress. Also this keeps on negatively impacting my life and credit score causing more stress than needed.
Consumer complaint received 2024-03-27
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (IN)

They contacted me in XXXX saying I owe this debt. Then they sent a letter. This is not correct. They posted to my credit report in XXXX yet didnt contact me till XXXX charging interest on an invalid debt. The original company received their money on XX/XX/2023 through certified mail with a cashiers check. I have asked for a purchase agreement, original contract, and debt validation letter.
Consumer complaint received 2023-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Since I opened a Bank of America checking account for my mother Fall 2022, every other transaction I have made on her behalf has been flagged and the account has been restricted over 50 times. 
When I added myself as POA, my sister had my mother remove it but she only did so under duress. The bank is now using this as an excuse to continually restrict the account. My mother has short-term memory loss and forgot that she even signed the document. She needs my help. Now that I added myself as co-owner, the funds have been frozen ( {$4400.00} ), an investigation launched and XXXX XXXX XXXX were called. We moved {$35000.00} from the account to a different bank because BOFA kept freezing funds and restricting access. This has caused my mother excessive late fees and NSF charges in the thousands. 
BOFA asked me for proof that I pay my mothers bills, but it shows it on the ledger as clear as day. 
My mother needs access to her funds. She has told staff in the banking center on several occasions that she had given full consent to me accessing the account for any need. However, the staff continues to ignore this. She is not incompetent. There is no need to her freeze funds or investigate us for financial abuse.
Consumer complaint received 2019-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (VA)

I'm in the middle of a mortgage application and need to have a settlement on a property soon and my lender is not able to pull my Equifax report. I have called Equifax and they said there are no freeze or lock or fraud alerts on my report now. I have had problems with Equifax for a long time.
Consumer complaint received 2023-03-25
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. (GA)

On XX/XX/XXXX I faxed a dispute letter to Equifax regarding unauthorized inquiries reporting on my consumer/credit file and they have failed to respond to my letter. 
I also completed an Federal Trade Commission Identity Theft Report which was attached to my dispute letter. Equifax is violation several FCRA laws by continuing to report these fraudulently inquiries on my consumer/credit file. 

According to the FCRA, I have the right to an accurate consumer/credit report. 
According to the FCRA, your company is violating several of my consumer rights. See List Below. 
15 U.S.C 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

15 U.S.C 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

15 U.S.C 1681e Compliance Procedures ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

( e ) Procurement of Consumer Report for Resale ( 1 ) Disclosure. A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose under section 604 [ 1681b ] for which the report is furnished to the end-user of the report ( or information ). 

15 U.S.C 1681o - Civil liability for negligent noncompliance ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. 

I demand these inquires be deleted immediately from my consumer/credit file as they were not authorized by me. 

1.Creditor XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX 2.Creditor XXXX XXXX XXXX XXXX Inquiry Date : XXXX 3.Creditor XXXX XXXX XXXX XXXX Inquiry Date : XXXX 4.Creditor XXXX XXXX XXXX XXXX Inquiry Date : XXXX 5.Creditor XXXX XXXX Inquiry Date XXXX XXXX
Consumer complaint received 2019-05-10
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: Experian Information Solutions Inc. (GA)

I received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. I've contacted the police and FTC. I'm doing this on my own behalf. There are still items on my credit that are not mine. XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

In XX/XX/XXXX, I was required to open a checking account at First Citizens Bank ( FCB ) as part of the creation of a personal line of credit. Both accounts were set-up for online access and I had no material issues with the accounts or FCB for years. In mid- to late-XX/XX/XXXX, my online access no longer worked so I attempted to reset the password. After several attempts ( required calling customer service as opposed to automated system ), the reset process worked only temporarily. Eventually, the account was closed in late XX/XX/XXXX by the bank due to inactivity after the checking account balance was used to payoff the line of credit earlier that year. I made requests for the checking account statements, which primarily reflect interest income payments, but FCB is charging {$7.00} per monthly statement. That seems to be excessive for what should still be available online and are one page statements at most.