davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (LA)

My XXXX and I sold our home in XXXX of XXXX, and moved out of state. We cancelled our security service with XXXXXXXX XXXX at that time, which was an ordeal, because my XXXX tried XXXX  times to call and set a cancellation date, but they wouldn't complete it without me on the line. We finally managed to find time to call to cancel it about a XXXX  after we moved and sold the home ( about XXXX XXXX ) while we were in the car. The XXXX representative placed the account on hold during the prior call my XXXX  made to them between XXXX XXXX XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ), I received a collection notice from XXXX and XXXX XXXX XXXX XXXXXX/XX/XXXX ) I received XXXX bills ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) which had been bouncing around the postal system 's mail forwarding system from XXXX regarding XXXX unknown account at our old address. Apparently, they bought XXXX sometime around the time of our sale, and our account wasn't cancelled, or was reopened in ADTs system. Since this was brought to my attention XXXXXXXX XXXX XXXX I have attempted to contact XXXX about this, and have been told there is nothing they can do about it, since they referred it to a collection agency. The collection agency has been contacted and has received copies of the closing details, but since they don't have records about the origin of the debt, they don't know whether they'll be able to do anything about this or not. 

In the meantime, while I wait on hold endlessly on the XXXX phone system for the XXXX XXXX in a row, I am writing a complaint, because this is something that could have easily been avoided, and if they could take the time to admit their mistake and correct it would not be wasting days of my time trying to deal with it, assuming that I am even able to deal with it, since everyone has already washed their hands of it. XXXX XXXX and XXXX did a poor job of handling their own records, and XXXX is trying to make me pay for a bill for services they never rendered to me, at an address that I do not own, under an account that I never authorized.
Consumer complaint received 2023-03-31
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. (NC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I received a letter today stated that I owed Bank of America some money on the unexisted account I have closed long time ago. They insisted to pay by mail back to XXXX XXXX XXXX, XXXX, DE XXXX or by phone number XXXX XXXX XXXX, or online at XXXX
Consumer complaint received 2023-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Here are the fraudulent inquiries in TransUnion : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-19
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: Conduent Incorporated (OR)

This is with my California XXXX XXXX  card. I had money deposited XX/XX/XXXX at about XXXX and by XXXX it had been used in rapid succession and emptied. I notified the company at XXXX ( all PST time ). I started a fraud dispute. I received a letter today saying I was in a deal with the merchant and they denied fraud. The card company said there is not one thing I can do case is closed. I asked to speak to someone regarding the investigation because its so obviously fraud and they told me I could not, no one that has a phone number. I was instructed to contact the merchant but there is no contact information for them. Not on the statement and they said they did not have it. But Im guessing they had to contact them to investigate and just wont share it.
Consumer complaint received 2022-05-04
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. (IL)

I sent a letter in XX/XX/XXXX to request removal of an account that should have been removed last year in XXXX. I submitted the letter from the creditor proving that this account should be removed from my credit report along with my request. 

It is now XXXX and its still reporting on my credit report This is a violation of my FCRA rights and it needs to be removed. 

Also Ive included a copy of my XXXX Credit Report and XXXX credit report - XXXX NOT ONLY changes information that is AGAIN incorrect but disregards the letter from the creditor and doesn't remove it. Also in another violation because you can not have a payment history on a charged off account. They are reporting this account completely inaccurate.
Consumer complaint received 2019-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Contacted Transunion about A Ssn trace they did with out my permission. Transunion also added address Ive never lived. XXXX XXXX XXXX XXXX nc and also XXXX XXXX XXXX XXXX thats my mother in laws house I only have an id there because having a XXXX you have to switch immediately in order to get a job and I didnf have a utility bill yet so my XXXX has that address but Ive never lived there. XXXX the representative told me he couldnt help me or give me the number of the consumer relation group number. Transunion is still reporting information thats been deleted from other credit bureaus due to XXXX verification as stated from representative. 

XXXX XXXX has yet to provide a signature for said account Ive paid on account for my wife but never signed any documentation and they cant provide documentation they told me to go to the dealership. 

XXXX- cant provide documentation and cleary know its fraud but continue to report through XXXX XXXX as verified XXXX XXXX- admitted to account being paid to my seld and ohio attorney general off and fraudulently reporting through XXXX XXXX XXXX- passed state and federal statue of limitations and recalled debt. 

XXXX XXXX Ive never signed an order form with them to make an hard inquiry Please delete all address except XXXX statements and fraud alerts immediately
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-09-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (RI)

One month ago, my account was overdrawn, ( we did not know because an automatic payment came out at XXXX and our direct deposit went in around XXXX ... Spoke to customer service being that it was out first overdraft we received our money back, set up a plan to have the money come directly out of our savings for XXXX dollars if this were to happen again, I was suppose to receive paperwork to sign and send back. Never received. Going forward our account over drafted again and with in 24 hours the money was transferred out our from out savings. Tried to get the XXXX dollars back did not work. So I asked how much I needed to transfer for this not to happen in another 24 hours I did as he said, and still received another XXXX dollar fee. That it XXXX dollars ( a lot to parents who live paycheck to paycheck ) I understand there are fees, but sometimes it's not ways the customers fault. Some companies debit the wrong amount tales says to be refunded, that is also what happened with our account. We are looking for XXXX in return.
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 information incorrect
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (GA)

I had specialized loan servicing for my mortgage account from April 2018-April 2021, and there numerous inaccuracies on my credit report from XXXX XXXX XX/XX/2019. My credit report shows that I was late on my mortgage. I was in the process of doing a loan modification on my home and i was informed by SEVERAL people within the company that this would not affect my credit. As well as once the modification was completed any negative reporting would be corrected. Well here we all two years later and 30-40 phones calls, my credit report is still showing late payments for that time period. This is very detrimental to my credit and my ability to obtain another home for my pregnant wife and daughter to enjoy. This is the one thing stopping me from being able to purchase another home and it's very unfair to have put my faith within a company to be truthful to their word and do right by me as a customer. Now that I have sold my home and no longer have an account with specialized loan servicing it has been impossible to have any communication from specialized loan servicing.
Consumer complaint received 2021-07-23
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. (MI)

I have contacted each of the credit bureaus multiple times regarding accounts that I don't recognize reporting on my credit and requested an actual investigation. Unfortunately, that never happened. I was told the items were verified but I conducted my own investigation and contacted the company directly and they did not verify anything with me. I even sent proof to the credit bureaus of my communications with the creditor and they never responded. Additionally, they responded to my first request well after the 30 days. My rights as a consumer have been violated by the bureaus in more than one instance and something needs to be done.
Consumer complaint received 2019-07-19
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Selene Finance LP (FL)

Selene Finance is violating the The Fair Debt Collection Practices Act ( FDCPA ) and the Telephone Consumer Protection Act ( TCPA ). The company is calling me multiple times a day and they are speaking with me during these times. They are lying and saying that they are not verifying that it is me, but this is not true. If they have actually recorded the conversations, it would show that they have spoken with me. The most upsetting thing is, that I am receiving these phone calls and a payment has been scheduled ( in this case for XX/XX/XXXX ). 
During the month of XXXX ( XXXX ), I have spoken with a representative at least four times and during each of these times, my payment has been scheduled. There is no history of me scheduling a payment and canceling it. Here is a list of calls, from the most recent : XX/XX/XXXX at XXXX call duration 10 minutes and 7 seconds. During this call, the representative ( XXXX ) told me, that it was noted that I had received a call this morning but, there was no verification. I told her that was incorrect and that I hoped this call was being recorded so that it would be on record what she said to me. She was very condescending as if, I was the one not inputting information into their system correctly. 
XX/XX/XXXX at XXXX call duration 2 minutes and 4 seconds. I verified my information with the male representative and asked him why he was calling when I had spoken with someone on XX/XX/XXXX and a payment was scheduled. He said " you are correct XXXX XXXX and its probably because our system is set for five days. I will note the account. '' I told the representative that I hope the call was being recorded and he said, " yes ''. 
XX/XX/XXXX at XXXX call duration 18 seconds- I informed that representative that a payment was scheduled. 
XX/XX/XXXX at XXXX call duration 6 minutes and 35 seconds. This call was placed by me. The reason for this call is because I received a call at XXXX and the representative hung up on me after I verified myself because I was complaining and I had received a call on XX/XX/XXXX. 
XX/XX/XXXX at XXXX call duration 34 seconds. I asked the representative why I was receiving the call when a payment was scheduled, the male representative hung up on me. 
As you can see, some of these calls were made before my grace period ended ( there was a call on XX/XX/XXXX too ). The fact that the company continues to lie and use this as the reason I keep receiving calls is unacceptable and a violation of the law. This practice has been going for several months.
Consumer complaint received 2019-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

My financial institution, Capital One, has repeatedly and recklessly been engaged in mishandling my money by disregarding my complaints about unauthorised and disputed transactions. Thus, Capital One is holding my money at the expense of the third part merchants engaging into aggressive behavior in accessing my bank account even after ending services/products with the merchants, and or merchants charging for services/products they do not provide. 

XX/XX/2019 Capital One awarded XXXX {$130.00} for services I no longer subscribe since XX/XX/2019 XXXX ( Claim # XXXX for my account ending in XXXX ). While I provided proof that I was no longer subscribing for the service, they awarded the merchant my money with false supporting documents they later sent to me after many followups and complaints ( see the supporting documents ). 

XX/XX/2019 again, Capital One paid/holding {$710.00} ( Claim # XXXX for my account ending in XXXX ) that I never allowed the merchant, XXXX XXXX XXXX to withdraw from my account, hence causing a tremendous chain of insufficient funds for other scheduled transactions. Both Capital One and the Merchants knew in advance by phone and writing about the ending/termination of the services/products they were providing me. However, Capital One mismanaged my money instead of safeguarding my money. 

Two incidents in one month are too much to ignore or to think Capital One has been operating in the interests of their customers. When I entrusted Capital One with my finances, I believed they will work on behalf of my interest, which has not been the case most of the time. ( see the supporting documents ). 

Therefore, your help in resolving this problem will beappreciated. 

Thank you, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2018-05-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (FL)

I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
Consumer complaint received 2019-07-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (NC)

XXXX XXXX ( mortgage processor : NMLS XXXX with Navy Federal Credit Union made duplicate credit inquiries on the credit reports of myself, XXXX XXXX as the result of a refinance mortgage application from XX/XX/XXXX. They happened on the following dates : XXXX and XXXX pulled on XX/XX/XXXX XXXX, XXXX and XXXX both pulled again on XX/XX/XXXX, and XXXX pulled again on XX/XX/XXXX. All of these inquiries were unnecessary and a result of Mr. XXXX negligence with my credit file. As a result, they need to be deleted as they are hard inquiries. These inquiries were in addition to the other inquiries from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I want to ensure that I was not a victim of predatory lending practices and I am certain that Navy Federal Credit Union does not want be accused of such. I questioned Mr. XXXX about all inquiries, but to no avail. I have email correspondence as proof and Ive attached the alerts that I received as a result of his negligence with my credit file. His supervisor, XXXX XXXX, was also notified via email, but I did not receive a response from her either.
Consumer complaint received 2019-07-19
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. (FL)

THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS AND INQUIRIES REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2019-07-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Finance Company, Inc. (TX)

To Whom It May Concern : XX/XX/XXXX Reference Account # - XXXX Reference Account # - XXXX I have filed disputes with the three credit reporting bureaus ( XXXX, XXXX and XXXX ) all three disputes were sent by certified mail on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX regarding two collection accounts being reported by Professional Finance Co. The collection accounts in question are both regarding an original creditor, XXXX XXXX XXXX XXXX. I have requested each of the three credit bureaus as well as Professional Finance Co to validate this debt by providing a contract that bears my signature or any documentation they can provide to prove this was in fact my account. Letters were mailed directly to Professional Finance Co on XX/XX/XXXX also by certified mail. Both XXXX and XXXX have deleted both of these accounts ; however, XXXX is stating that these accounts have been verified by the collection company, Professional Finance Co. I have attached the XXXX and XXXX dispute responses which reflect these accounts have been deleted. 

If Professional Finance Company has an obligation to report accurate information to all three credit bureaus, why is there a discrepancy in their reporting methods? 

Thank you, XXXX XXXX