davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-30
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 — Their investigation did not fix an error on your report
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I've disputed online via my XXXX credit monitoring service. I've also sent in writing via certified mail a request asking the form of verification in which I received no reply. I then I resent the letter plus I called and asked for method of verification and they still won't supply me with it, only stating the the creditor has verified it's being reported correctly. I did receive a letter from the collection stating the account is open, or documents.
Consumer complaint received 2018-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/XXXX, I contacted XXXX, XXXX and Transunion in regards to an item that is appearing on my credit report from a company called XXXX XXXX XXXX. I mailed letters to each of the three credit bureaus, letting them know that the information that was reported is incorrect. These letters were mailed certified USPS and I received confirmation that they were delivered to their respective addresses successfully. On XX/XX/XXXX, I received notification from all three credit bureaus, that XXXX XXXX XXXX was contacted in regards to the debt that is being reported, and the debt was validated and they stated that it was being reported correctly. The information that is being reported is not being reported correctly. They refuse to explain to me how the debt was validated after multiple phone calls and letters requesting the above information
Consumer complaint received 2018-08-29
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. (PA)

I became a victim of identity theft and I submitted a ID Theft proof based on instructions from the FCRA 605B which included documents such as, a signed FCRA Affidavit, proof of residence and identity, and police report. Unfortunately, all XXXX credit bureaus only processed part of my request and many fraudulent accounts are still reporting. The bureaus stated that the accounts were verified by the creditor which is impossible!
Consumer complaint received 2023-03-24
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. (PA)

In accordance with the Fair Credit Reporting and XXXX  XXXX XXXX Account # XXXX XXXX has violated my right 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/XXXX, I went to XXXX XXXX, va branch of truist with the expectations of performing a wire transfer from my personal account to my business accounts. All accounts are with Truist. When I sat with the branch leader it was XXXX. During which time the branch leader, XXXX XXXX, suggested I do a regular transfer since all of the accounts are within truist. I took her suggestion against my better judgment and now they, the bank, have blocked my business account that got the bulk of my money. I asked to transfer XXXX, XXXX to one business account and XXXX to another truist account. The XXXX was sent and nothing is on hold as of XX/XX/XXXX. 

There seem to be some ignorance of the process and it took over an hour to get this done. They, XXXX, and another bank teller, finally got it done and told me it would be an issue if I requested an immediate availability instead of if I just waited which would be overnight. I never used any of the accounts u til I needed ro make a {$900.00} payment and my card was denied. Since I was back in ga I went to XXXX ga branch on XXXX XXXX XXXX and the initial teller told me my account was blocked. 

I then today, XX/XX/XXXX, saw that it was deposited as a check and not a cash transfer. My XXXX is tied up in limbo because of the branch manager, XXXX, and the " department '' who has the power to release Is holding my money hostage. None of them care. I couldn't make payroll and they had the nerve to charge me {$25.00} for a wire that was never a wire. Two days ago and I wasn't even in their establishment. I want my money back and this account closed immediately.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I thoroughly reviewed my credit report, I spotted some inaccurate information that needs reporting and correction through your company. The Bureau clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n.
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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
Consumer complaint received 2018-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ad Astra Recovery Services Inc (IL)

I am writing this due to Non-compliance with the Credit bureau XXXX, the account ( AD ASTRA RECOVERY SERVICE ) they have failed to REMOVE this account that wasnt validated and still are reporting inaccurate information ( TERMS, ACCOUNT STATUS, PAYMENT STATUS, PAYMENT HISTORY DETAILS, BALANCE, PAST DUE AMOUNT, ORIGINAL AMOUNT, COMPANY SOLD TO ) This account was requested to re-investigating the accuracy and also to fully validation this account due that they supposedly the own the account, so that Means that they can provide all the documents I requested and send me a copy of all the validation. 
I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the LAW
Consumer complaint received 2020-02-04
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica (MS)

On XX/XX/2020 my brother called and reported his card missing or stolen. He has not received the new card. He was told he would receive the card XX/XX/2020. When he checked his balance today money has been removed from his account. After we reported it missing and ordered a new card. He has now been on hold for over an hour and he can not talk to anyone. His money goes into the bank on the third of every month. Before we talk to anyone they will have taken all his money. He has a direct express card.
Consumer complaint received 2018-08-29
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (AZ)

Have never received physical credit card, so I can not set up automatic payments or close the account. Customer service is scripted. There is no method for escalating calls. 

Approved for card in store in late XX/XX/2018. 

On XX/XX/2018 called about email advising me to set up my account. Didn't have card yet. Couldn't set up account. Customer service said card would be there within 7 days.

~XX/XX/2018 called back bc hand't received card. Customer service couldn't validate my ID with phone number. Said they would send " bank letter '' that I could use to validate ID. 

Called back several more times over the last month to repeat the above process. No bank letter. No card. Still can not access account.
Consumer complaint received 2018-08-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CHOICE CAPITAL FUND (FL)

I believe that the loan I have with The LoanSmith is illegal in the XXXX of Florida ( my home state ) and may be considered predatory lending. The original amount financed is {$1200.00}. XXXX is 647.79 % with a total finance charge of {$6000.00} over the life of the loan, spread across XXXX XXXX XXXX ) semi monthly payments of {$360.00} which began on XX/XX/XXXX. Most recent payment made was XX/XX/XXXX and the last payment is scheduled for XX/XX/XXXX. Payments are being debited from my XXXX XXXX checking account via ACH, and I have recently revoked my ACH debit authorization.
Consumer complaint received 2023-03-29
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (GA)

Last year a debt collection was added to my credit that I did not recognize. I immediately called the agency and asked for a verification letter. Months went by and I never got one. I called them back again. A gentleman by last name XXXX answered I explained the situation and they dated they would send me the letter. A few weeks later after many calls and him saying hes has the file and will send it shortly he sent me a file via email that looked like he typed it himself. I have since tried to reach out to the company to get actual proof of this debt with no luck. Theyre all rude unprofessional and never respond to any calls or voice mails.
Consumer complaint received 2022-03-10
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: Collection Bureau of the Hudson Valley, Inc. (NY)

Collection Bureau of Hudson is reporting a fraud account on my credit. I didn't open this account nor did I authorize anyone to do so on my behalf. Please see the attached FTC report and my Driver License. Please remove this account from my credit profile as the account is not mine
Consumer complaint received 2023-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fradkin & Weber PA (TN)

This complaint is against a debt collector who refuses to validate this debt that they are claiming I owe. This debt is more than ten years old. It has been filed in a state which I am not a resident. Currently they are garnishing my pay and making it impossible to pay my bills. I have called the original creditor several times and they themselves have stated I have never had an account with them. I dont know what else to do to stop them from taking money I do not owe. They have filed a motion to garnish over {$1700.00} on a debt I do not owe.
Consumer complaint received 2022-03-10
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. (TX)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2023-03-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commercial Acceptance Company (NJ)

I contacted " Commercial Acceptance Company '' on XX/XX/23. I made the representative aware that I had medical insurance coverage for the date of service, and my insurance company was responsible for this bill. The original collector XXXX XXXX XXXX XXXX XXXX ) neglected to document and bill my insurance company -- then, sold my debt to Commercial Acceptance Company. I received a notice in the mail from Commercial Acceptance Company, and spoke to them 1 time. I was under a lot of stress ( which is documented ) due to a car accident, XXXX pandemic, death of family member, loss of my home, and trauma -- and asked for additional time to return their call. I followed up with Commercial Acceptance Company on XX/XX/23, and the representative was very nasty -- as she kept talking over me and didn't allow me to finish my sentences. I told her that I had insurance coverage at the time of services -- and that XXXX XXXX neglected to bill my insurance company. The representative refused to accept my insurance information so that this bill could be paid in full. I'd like a copy of my signature showing that I agreed to pay this bill -- as opposed to my medical insurance company paying the bill.
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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.
Consumer complaint received 2018-08-30
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. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX/XXXX XXXX XXXX  ( Equifax : XXXX XXXX : XXXX ) XXXX XXXX XXXX XXXX/XXXX XXXX  ( XXXX : XXXX  XXXX : XXXX ) XXXX XXXX XXXX XXXX  ( Equifax : XXXX   XXXX  : XXXX XXXX : XXXX ) XXXX XXXX XXXX  ( XXXX  : XXXX ) XXXX XXXX XXXX   XXXX ( XXXX : XXXX  ) XXXX ( Equifax : XXXX   XXXX : XXXX XXXX : XXXX  ) XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ) XXXX XXXX ( Equifax : XXXX ) XXXX XXXX XXXX XXXX ( XXXX : XXXX ) XXXX XXXX XXXX  ( Equifax : XXXX XXXX : XXXX XXXX : XXXX  ) XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX :  XXXX ) XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( Equifax : XXXX   XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ( Equifax : XXXX  XXXX : XXXX XXXX : XXXX  ) XXXX XXXX XXXX   ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX ) XXXX XXXX XXXX  ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ) XXXX XXXX ( Equifax : XXXX XXXX : XXXX   XXXX : XXXX )
Consumer complaint received 2018-08-29
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (AZ)

My loan originated back in XX/XX/XXXX. It is an Adjustable Rate Mortgage ( ARM ). During these 13 years I have never been past due. My loan originated with XXXX XXXX XXXX, and transferred to SETERUS. 
On XX/XX/XXXX I applied for a modification/assistance so that it is not such a struggle. I am XXXX making {$1700.00} per month and my mortgage payment has been {$1000.00}. Since it is an ARM Loan the rate will adjust on XX/XX/XXXX bringing my PAYMENT TO XXXX XXXX monthly and my DTI to 68 %. The other reasons for a modification request is I am underwater -- value of Condominium is {$110000.00} and I owe {$130000.00}. So, there are three very valid points as to the need of a modification, LTV, DTI, and loan an ARM.

I was denied for the modification onXX/XX/XXXX just 7 days after submission and SETERUS stated it was because I am not past due. It is hard to believe I would have to fall behind on my payments and ruin my stellar credit score because of this rule. I AM NOT LATE SO THEY CAN NOT HELP ME. The loan also happens to be a XXXX XXXX loan -- is it really necessary to force be not to make my payment to get the assistance I need? Please HELP.
Consumer complaint received 2018-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (FL)

Today is XX/XX/2018. For at least a month, I have been receiving calls from Sunrise Credit Service ( SCS ) about a bill they claim that I owe XXXX. I did owe money to XXXX but I paid them even before SCS started calling. I told SCS that I had already paid the bill. That did not stop them. I sent proof that my balance was {$0.00}. That did not stop them. I told them that they need to send me proof that I owe this bill. They refuse. I have contacted XXXX, they claim that my bill is paid and they have no knowledge of a credit issue. I contacted XXXX, they didn't even know who I was nor anything about a debt collector. Now SCS is claiming that they will put this on my credit report. They call on multiple numbers from multiple area codes. They call morning, evenings and weekends. 
They called today. 
I can provide proof of the bill having been paid. 

What can I do?
Consumer complaint received 2023-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ready Capital Corporation (SC)

Multiple Issues 1. Taxes were not paid by escrow until XX/XX/2023 despite the first incorrect attempt on XXXX XXXX. Subsequent penalties were charged to me despite the fact the mortgage servicer was the reason for the fees. Had taxes been paid on time, no fees would have been incurred, thus the servicer is the reason for the fees and therefore responsible. 
2. RESPA violation regarding my escrow. Tax change in excess of {$5000.00} took place. Escrow buffer allowed is a maximum of 1/6 of total amount. Ther servicer has failed to update the escrow analysis despite multiple attempts. Refund due to me is thousands of dollars and payment adjustment is required. 
3. Initial incorrect tax payment of nearly {$9000.00} has not been refunded to my escrow balance.
Consumer complaint received 2022-07-08
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. (VA)

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX  XXXX Balance : {$2600.00} XXXX XXXX XXXX : {$1900.00} XXXX XXXXXXXX Balance : {$3800.00} XXXX XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$140.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$920.00} XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXXXXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$210.00} XXXXXXXX XXXX XXXXXXXX XXXX : {$3500.00}
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

n 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
Consumer complaint received 2023-03-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MN)

In PayPal, you can get a " Balance Account '', which is let 's you store currency directly in PayPal. The terms and conditions can be found at this link : XXXX : XXXX? XXXX In the terms and conditions, the " Closing Your Balance Account '' section clearly states " You can close your Balance Account without closing your personal account ... ''. I have tried multiple times to contact PayPal support to do just that, but no representative can find an option in their system to do this. Since customer support is unable to do this, it my hope that I can get my request fulfilled with this complaint.
Consumer complaint received 2024-03-03
Product: Credit reporting 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. (PA)

XXXX continues to use malicious practices against me. I ask for transaction history only to be removed to XXXX balance from my credit report as the FCRA says I can because that is illegal not for my credit card account to be deleted and they deleted my whole credit report when they previously put XXXX loans and mortgage on there thats never even been mine who permissible purposes, that reporting transaction is illegal not the removal of my account in full and the rest of my accounts now I dont have a any accounts or I dont have a credit score and why has XXXX XXXX and all of my other things been removed I never requested that. XXXX XXXX has also been removed from XXXX and Equifax as well this is not what I ask for and the law doesnt require me to have the full amount removed but only the transaction balance
Consumer complaint received 2018-08-29
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 (NJ)

I'm literally up in knees exhausted with TD Bank. I had an overdraft and I quickly put the money in there so I won't get charged a fee. Two days later I get charged an overdraft fee. Apparently, there is no grace period which wasn't what I was told when I opened an account. Actually this never happened before as well so this is the first time I have been charged still even after the fact that I put funds to bring it to a positive balance. Also the fact I got charged XXXX it made my account negative which will result in another XXXX charge. I'm seriously consider closing my account and taking my services somewhere else. This is unfair.