davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-26
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: CORELOGIC INC (IL)

I requested mortgage information online. A representative from XXXX XXXX  called me to ask additional information. She asked for our loan information and while reviewing other details with me said that they would need a copy of our credit report. She asked for my DOB and last four of my social. I didnt think she would pull credit because I didnt provide my whole SS number. She asked about my husbands info, but asked if he was in the current loan and I said yes. She then asked for his DOB and last 4 of his social which I gave her. Again I did not think she was using this information to pull credit because she never asked if the intention was for him to be on a new loan. Her questions were deceptive and lead me to believe she was gathering information from our previous loan, not to apply for the new one. My husband recently lost his job so we arent even eligible to apply at this time. Before I could provide any of that information she said she had to check with her supervisor and put me on hold. Then almost immediately a notification email came through that a new inquiry appeared on our credit. I did not authorize anyone to pull our credit. I did not provide my full SS number or my husband. I asked the representative to remove the inquiry that I didnt authorize it and she refused. I contacted someone in member relations at XXXX XXXX  and she also refused saying that I authorized it. I did not. The questions were deceptive and misleading. Now we both have hard inquiries on our credit reports for a mortgage we never intended to apply for. If she had indicated that she intended to pull my credit I would have said no. Please see how this can be removed from our credit. It will negatively impact our scores and we did not authorize or agree to it.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION (GA)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2023-06-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NY)

Hello, A collections account has been inaccurately reporting to my credit report from midland credit management since XX/XX/2021 & the balance has recently been updated the updated amount of {$2600.00}. I believe this has been negatively updated due to the CFPB breach. This is in violation of code 1680i. I kindly request the removal of this collections account from my credit report as it is adversely affecting my financial situation.
Consumer complaint received 2020-02-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (NY)

I move out of my old apartment in XXXX. Before I moved out I called XXXX to pay off any existing balances. I received a negative collection item on my credit report in XXXX from XXXX XXXX for {$640.00}. When I called the collection agency they told me they have been sending bills to a address in XXXX Massachusetts. However, I never lived in XXXX Ma. I live in New York, I have proof of this, I pay taxes in New York and they refuse to remove the negative reporting from my credit report despite me never receiving these bills or them contacting me. I dont mind paying the balance owed but I want the collection item removed from my credit report since they never sent these bills to me or contacted me. Is this legal, what can I do?
Consumer complaint received 2020-02-26
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harvard Collections, LLC (TX)

I am a XXXX Recipient for XXXX- they trying to charge me for services not covered by XXXX- and I received an email from XXXX stating that I do not have to pay for it as I am a XXXX  recipient. 

The service date was XX/XX/2017. 

My account number with XXXX XXXX XXXX  XXXX is- XXXX My account number with Harvard Collections is XXXX
Consumer complaint received 2022-01-25
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: Experian Information Solutions Inc. (CO)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-01-25
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. (CO)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2015-05-12
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AMCOL Systems, Inc. (MO)

XXXX XXXX, 2015 I sent a letter to Rickman and Rickman to validate these debts. I received a reply containing statements that have incorrect information and still unsure about these accounts. XXXX XXXX, 2015 I sent another letter stating I want these debts validated XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have not hard back from them since the XXXX XXXX, 2015.
Consumer complaint received 2019-10-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (AZ)

I was in an accident on XX/XX/2019. I decided to file 1st party and use my own insurance to handle the claim. My vehicle was deemed a total loss on XX/XX/2019. XXXX called my finance company on XX/XX/19and requested the payoff as well as a copy of the title and a letter of guarantee. They received a payoff good through XX/XX/2019,  and were advised the documents would take 3-5 days. On XX/XX/2019, Santander called XXXX to verify what documents were needed so they could send them. OnXX/XX/2019 XXXX followed up with Santander, as well as again on XX/XX/19, as they had yet to receive the documents. Without these documents, XXXX could not release the total loss payment. 
On XX/XX/19 I called Santander and was advised they had not heard from XXXX yet, at all. I called XXXX and we did a conference call with Santander. At this point we were transferred and then told the request for the title and the letter of guarantee was getting submitted right then, but it had not been before. They said wait 3-5 days. I called XXXX back on XX/XX/2019 and we did another conference call. We were told that the documents were getting sent that day. XXXX was finally able to issue the payment on XX/XX/2019. 
I checked this morning to see if Santander had processed my check yet. I contacted them via chat support and was advised that the check had not yet been received. I also noticed I was charged {$85.00} for an evaluation to be done on the XXXX XXXX XXXX while it was in the tow yard, but that was never discussed nor disclosed with me. I asked for it to me removed and was told that it wasn't an option. 
I called XXXX to get a copy of the total loss check and was advised that it is showing cashed in their system. 
This ENTIRE time I have been getting charged {$7.00} PER DAY in interest charges, I got charged {$16.00} for a late fee because there was a payment due XX/XX/19 that I didn't pay assuming they would not have delayed everything this long. 

I want the interest from the original payoff date of XX/XX/2019 to the date they received the check to be waived. That's 26 days at $ XXXXday for a total of {$200.00}. I also want my late fee of {$16.00} waived because if they had submitted the request initially they would have received and processed the check prior to XX/XX/19 when the late fee added. I also want the {$85.00} evaluation fee I was charged waived. There was absolutely ZERO communication that anyone from Santander would be looking at the car, let alone inspecting it. I am expecting {$300.00} back ON TOP of the remaining funds after payoff. I should not need to contact a company over 10 times to get them to do their job as outlined in our agreement.
Consumer complaint received 2021-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PNC Bank N.A. (GA)

As a consumer and natural person, I am exercising my right to rescind the following transactions : XX/XX/2021 XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX {$22.00} ; XX/XX/2021 ATM WITHDRAWAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA {$60.00} ; XX/XX/2021 XXXX XXXX XXXX VIS XXXX XXXX GA XXXX {$35.00} ; XX/XX/2021 XXXX # XXXX VIS XXXX XXXX GA XXXX {$16.00} ; XX/XX/20XXXX XXXX  # XXXX XXXX  XXXX XXXX GA XXXX {$51.00} ; XX/XX/2021 XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX {$6.00}
Consumer complaint received 2024-04-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Community Health Investment Company, LLC. (MS)

I got a collection on something for my grown son. It was at XXXX XXXX in XXXX, XXXX XXXX 
The services were done on XX/XX/2023 when he got arrested on that day. He is currently incarcerated. How can I get this off my name.
Consumer complaint received 2019-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AG AH LLC (NJ)

I purchased a home in XX/XX/2019 @ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ. The unit is part of a home that went from 1 standalone unit to 2 condos in 2019. That said, the taxes for the property in 2019 were for 1 unit as opposed to 2. 

During my closing, I worked with XXXX XXXX  they covered the Q2 taxes for the entire home ( even though I should have only paid for the unit # 1 portion or 60 % ). The purchaser of unit # 2 also paid for Quarter 2 taxes. 

Very shortly after my closing, my mortgage was acquired by Arc Homes. 

In XXXX & XXXX, the mortgage company of unit # 2 paid the entire tax while my mortgage company has not paid taxes but has collected $ 4,000+ in my escrow account. Now, I need to be reimbursed that amount so that I can pay XXXX ( owner of unit # 2 ) back on the taxes that he has paid out for my portion of the bill. 

I initially contacted Arc Homes on XX/XX/XXXX and spent 45 minutes on the phone having them insist that they had paid my taxes out. On Tuesday, XX/XX/XXXX I called again and after 30 minutes they agreed to open an investigation and would get back to me in about a week. The following Tuesday, XX/XX/XXXX, I called back and their update was that they were " still trying to reach the tax assessor '' but they gave me a footprint number ( XXXX ) so that I could easily get updates when I called back. Waiting another 2 days and called again on XX/XX/XXXX only to be told that my footprint had been " escalated '' but would require a further 3-5 business days to receive information. 

XX/XX/XXXX & XXXX, I call back again and receive again no update outside of them claiming to try to reach the tax assessor ( I've provided them a name and phone number for the gentleman I've been dealing with ) and that I need to upload documents ( of which I already have twice and they claim to have no received ). 

I owe XXXX, the owner of unit # 2, {$4000.00}, while I am frustrated that my mortgage company is abysmal it isn't even my money that I'm concerned about. Arc Homes has the absolute worst customer service and as soon as this tax situation is resolved I will be looking to refinance so that I do not have to work with them any longer.
Consumer complaint received 2018-06-27
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Frontline Asset Strategies, LLC (AZ)

On XX/XX/2018, Frontline Asset Strategies called my father at his work and told him that they were a collection agency attempting to get a hold of me. My father is not on the loan, and they knowingly called a 3rd party at their place of business.
Consumer complaint received 2018-06-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XXXX a XXXX called my job and told the secretary that there is a warrant for my arrest from a supposed debt I had from 2005 to bank of America. Which is not true actually BOA reimburses me almost 2   years ago. When my wife called the number that said XXXX left to ask for an address to serve proof of payment and to ask that I not be harassed and threaten at work a XXXX XXXX called her all kind of names and refused to give address. All I have is a phone number. XXXX. And a case number XXXX. They refused too.
Consumer complaint received 2022-01-13
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. (PA)

Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX. Date of inquiry XX/XX/XXXX XXXX XXXX XXXXXXXX. Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

Back in XX/XX/XXXX I receive a letter from HSBC Bank USA that all my accounts with HSBC Bank USA will be transferred to XXXX XXXX due to a recent acquisition of HSBC US by XXXX. Since then I have got several letters with information how all my accounts incl my XXXX XXXX Account will be transferred to XXXX by XX/XX/XXXX. 
We are now getting closer to the actual date of transfer to XXXX XXXX which will take place around XX/XX/XXXX. Despite what all the information letters I have gotten from both banks shows, I now yesterday and today by coincidentally speaking with HSBC customer service on other mattersXX/XX/XXXX find out that my XX/XX/XXXXAccount with HSBC will not be moved to XX/XX/XXXX something I have not been informed about elsewhere. HSBC can not give me any explanation why this is now the case and they tell me they can not change this. This is a very unfortunate situation to put thousands of clients in ( I am sure I am not the only one in entire US having this problem now ) because I will now have to deal with two banks in my daily life going forward instead of one which is completely against my will and might also more long term affect my credit scores negatively. A negative effect on my credit score from this potentially could have substantial economic impact on me due to an acquisition and joggling of clients bank accounts between HSBC and XXXXXX/XX/XXXXwhich is completely out of HSBC clients hand and we have no say against it. I find this random joggling with trusted and good customers bank accounts and credit cards between two banks very critical and completely unacceptable and can impact bank clients substantial negatively both short term and long term. Therefore I kindly file this compliant which I very much hope and would be very thankful if FTC would take up, go into and try to solve so HSBC clients do not end in this bank account and credit card limbo being randomly split from one bank into two banks in the daily life.
Consumer complaint received 2022-11-30
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. (GA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-10-07
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX... Balance : {$960.00} ; XXXX XXXX XXXX XXXX XXXX. ... Balance : {$3200.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$10000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-01-13
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. (PA)

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : Late closed XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$24000.00} XXXX  XXXX XXXX XXXX XXXX XXXX {$2000.00}
Consumer complaint received 2022-12-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (TX)

I sent this collection agency a debt validation request on two occasions because I noticed this alleged debt was reporting on my consumer files with XXXX XXXX and XXXX. my first request was sent XX/XX/2022 at the address specified on my consumer file Hunter Warfield Inc, XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX with tracking number XXXX. The company received my letter on XX/XX/XXXX XXXX my second attempt was sent XX/XX/2022 at the address specified on my consumer files Hunter Warfield Inc XXXX XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX with tracking number XXXX the company received my request XX/XX/2022. I have not received any correspondence back from this collection agency and I am beginning to think this collection agency can not provide the information I have requested from them to make this alleged debt valid and legal for me to pay, possible causing this account to be fraud. my first request I asked for validation of the debt. my second request I put there company on notice of the violations there committing by not responding or providing what I had requested from them. this collection agency still reports this alleged debt on my consumer files. I dispute the account with the XXXX XXXX and XXXX and the results they provide are either updated or verified. why is it that this company can respond to indirect disputes with the consumer reporting agencies but cant respond to my disputes directly? I was never notified of a initial communicantion before the debt was reported, I was never given a chance to dispute the debt, I still have not received any type of validation, notice of sale, a signed contract with my signature, or any type of communication from this entity, the reporting of this account was never ceased on my consume files after they received my validation request and until validation was provided but they continue to report on my consumer file. this is not fair to me I've already tried giving them two chances to respond and plenty of time to receive the information they have in there files at my contact address. if this collection agency cant provide the legal documentation to make this debt legally valid for me to pay then the reporting of this account on my consumer files is considered to be fraud until proven innocent.