davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivable Management Group, Inc. (GA) (GA)

Doctor was paid by insurance after they appealed due to 'out of network ' status. Doctor chose to accept insurance payment and write off remainder. I have statement from doctor 's office showing XXXX balance that I owe. Debt collector, however, apparently did not receive the settlement notice from the doctor 's office and is continuing to pursue the balance from me a year after doctor 's office accepted settlement.
Consumer complaint received 2021-05-12
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am a victim of identity theft and did not make the charge.I ask that the following inquiries be removed on my file. I would appreciate if these inquiries are deleted as soon as possible as its stoping me from progressing in life.
Consumer complaint received 2022-10-12
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. (CO)

On ( XX/XX/2022 ) sent a letter regarding inaccurate 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 items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted 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 2015-06-02
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: PNC Bank N.A. (NV)

PNC Mortgage is not allowing a short sale to proceed because the XXXX buyer cancelled the purchase. A few days later a XXXX buyer submitted a complete package to PNC Mortgage, but PNC refused to delay the trustee 's sale to allow the 15-days needed to approve the new deal. This is a violation of Cal. Civ. Code section 2924.11 ( d ) because once the buyer and seller was approved for a short sale and proof of funds supplied PNC was required to file a notice of rescission of the trustee 's sale resulting in dual tracking.
Consumer complaint received 2022-10-12
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

My mortgage was sold to Carrington mortgage several years ago. We have a fixed rate usda mortgage 3.25 %. I noticed it changed to 3.75 % years ago, and reached out. They advised I have a variable rate loan. I recently was looking at my loan documents and I in fact do have a fixed rate mortgage of 3.25 % we never refinanced. What can I do?
Consumer complaint received 2022-01-22
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. (AL)

Accounts and records XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX, XXXX are not mine. I am coming to you to contest against accounts listed under my name and I know are not mine. I have sent several letters to the company and credit reporting agencies on XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. There seems to be a confusion on the accounts being association to me and I do not take responsibility for something that is not mine. I have contacted the listed companies as well. It is stated per 15 USC 1692 ( g ) Validation of Debts that only way an account can be validated is by speaking with me not a 3rd party company. I am fully aware that NO court system provides any type of court filing of bankruptcy or record. Where are you actually getting the record from and what authority do you have to give that information?
Consumer complaint received 2022-01-22
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. (PA)

Consumer Reporting Agencies is BREAKING THE LAW!!!!!!!!!!!!!!! 
I sent lettes disputing 7 accounts on my consumer report on XX/XX/XXXX and mailed it certified return receipt requested. I received notice in the mail that they received my dispute letter XX/XX/XXXX. It is now XX/XX/XXXX and I have not received response from them. Per the FCRA section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period the accounts must be deleted.15 USC 1681 congress makes the following finding the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit and other information on consumers. Congress states Consumer reporting agencies ASSUMED a vital Role and because of their assumption severe hardship, XXXX XXXX XXXX has concurred. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These consumer reporting agencies are sharing my Information with XXXX XXXX  without my permission. These consumer reporting agencies were not there during these transaction. How do they know these transactions took place? 15 USC 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy .These consumer reporting agencies are reporting and sharing erroneous information without my consent. First the CRA should have consulted with me first the CONSUMER. They have no proof of these transaction. Infringed upon my right to privacy by having a conversation about me with a 3rd party. They are impartial because they allowed information to be reported while only hearing onside of the story. 15 USC 1681 ( a ) ( B ) THEY DID NOT MEET THE NEEDS OF COMMERCE BECAUSE THIS IS NOT FAIR OR EQUITABLE. 15 USC 1681 ( a ) ( d ) ( 2 ) Exclusions from a consumer report info not accurate of or relevant. Pursuant to 15 USC 1681c ( a ) ( 4 ) Information excluded from consumer report, no consumer reporting agency may make any consumer report containing any of the following items of information : Accounts placed for collection or charged to profit and loss. Transactions should have confidentiality.15 USC 1681n Consumer reporting agencies are now civilly liable for willful noncompliance.
Consumer complaint received 2022-01-22
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. (TX)

The Credit Bureaus ( XXXX, EQUIFAX, XXXX ) have deemed a company as verified by the name of XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX on my consumers report. I asked them to solidify their reasoning, which leads them to believe that a debt is owed by me to these companies or company. The credit Bureaus have lead me to believe that they conducted a improper and incomplete investigation into this. There are three different company names on each of the Credit Bureaus sites. Due to this incorrect information, it leads me to believe that they did a improper and incomplete investigation, without providing the original documentation requested.
Consumer complaint received 2022-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (PA)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MD)

Equifax has erased all but one account from my report. This is effecting my life in a major way. It happen in XX/XX/2019 and I have been trying to get them to add my accounts back on them every since. The accounts are being reported by the lenders however due to a technical error those accounts are not showing up on my Equifax report. I have contacted Equifax about the one the last 2 years but this is still a problem please advise. and thank you.
Consumer complaint received 2015-11-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (IL)

In XXXX of this year, due to a hardship financial situation that started XX/XX/XXXX, I applied for a loan modification with the intentions of lowering my mortgage payment and continue living in my home. PNC has not been able to help and instead they have caused emotional distress. 
Summary after my application denial from PNC. 
XX/XX/XXXX mortgage payment in person ( see receipt attached ) XXXX payment has not been applied, per PNCXX/XX/XXXX. mortgage payment in person ( see statement attached ) XXXX payment has not been applied, per PNCXXXXXXXX {$2100.00} payment for escrow shortage to PNC, ( funds came from a credit card cash advance ), to pay off PNC escrow account PNC had recently established against my will even though I was up to date paying my insurance and taxes. 
XXXX Received a letter from PNC claiming my mortgage is late.
Consumer complaint received 2022-01-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (CA)

On three separate occasions I have been given a VanillaGift giftcard. It advertises that it acts like a general purpose, but non-reloadable debit card. On all three occasions, the gift card balance had been removed shortly after my family member had purchased the card, but before I had received it, the balance was drained. Customer service is difficult to contact and set the expectation that I would not receive any money back, though they did initiate a 90 day dispute process. 

This pattern leads of drained balances leads me to believe the company may be either pocketing the money itself, or designing their product so poorly that it nearly guarantees theft. 

The three amounts stolen were XXXX, XXXX and XXXX.
Consumer complaint received 2022-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (FL)

I am filing this complaint against Experian because I first Initiated contact with XXXX XXXX via phone asking for my credit statements from the account XXXX. I was told over the phone that I could not request these statements over the phone, so I was instructed to requested the statements by mail. On XX/XX/XXXX of 2021 I sent a letter to XXXX XXXX  request my statements for account XXXX, along with the request for the credit statements inside this letter I also demanded for XXXX XXXX to cease and desist and and all communication with myself the consumer and all consumer reporting agencies. Recently I pulled my consumer reports from Experian to find out that they are still reporting transactions from XXXX XXXX.
Consumer complaint received 2022-04-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2021-05-12
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: T.S. Holdings (VA)

I moved out of XXXX XXXX XXXX  in XXXX, XXXX I gave 2 months notice provided my new address. The end  of my lease was XX/XX/2021. I moved out XX/XX/2021. 

Started getting calls XX/XX/2021 from XXXX XX/XX/2021 XXXX did not answer, missed call XXXX I did not answer call, at work 2 seconds  XXXX XXXX kept saying hello, no one answered hung up after 47 seconds XXXX XXXX women asked for XXXX, said that my number was the number she always contacted her at. told her I had, had the number for 15 years. She asked me if I knew XXXX. I said no and said I did not live in XXXX anymore. 

XXXX 2 min talked to debt collector person, said I owed a {$54.00} utility bill from XXXX XXXX XXXX XXXX I told her I had not recieved a bill ... she told me I had to pay now, I told her she sounded like a scammer. To quit calling me and that I had never received a bill. Told her to XXXX XXXX and hung up. I had drank 1 beer and was tired. 

XXXX I called back got the answering system. IQ Data. 

Received a call XX/XX/2021 at XXXX XXXX from IQ Data a 3rd party collections agency. 

Asked why she was spoofing an XXXX phone number. Asked her where she was actually calling me from .She finally said Washington state. 

Asked when the debt went delinquent, why I had not received a bill. 
XXXX said she did not have to tell me anything. 
Yelled at me that my move out date was XX/XX/2021 so therefore my debt was delinquent. Didn't I give them a forwarding address to send the bill to? I said obviously I had since in both calls she sited my new address ( XXXX XXXX XXXX, XXXX, XXXX XXXX I asked when the due date was. She went back to my move out date. 
Told her I had not received a bill. 
I told her I had email the complex to find out what was going on. She told me they would not help me since I owed them money. 
She would not tell me details. Threated to ruin my credit Told her not to call me again, they could send me the information via USPS. I asked her to quit calling me several times, the last pointing out the law. Finally hung up on her. 

I felt threatened, I have a very good credit score and this is feeling more like a scam. 
XXXX XXXX nor XXXX XXXX XXXX XXXX have not replied to my email request. They normally did not when I lived there. 

I would love to turn them and XXXX XXXX holding into the XXXX XXXX XXXX but both are in different states.
Consumer complaint received 2022-01-22
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. (LA)

Hello there are accounts and inaccuracies on my credit report. I reviewed all 3 reports and when I noticed the issues I reached out to XXXX, Experian, and XXXX. I sent a total of XXXX letters letting them know of my request for correction and deletion. Not only have they not done this they continue to send me a computerized response of validation. I am the sole " person '' that can validate anything on my credit file per 15 USC 1692 ( g ). I am also the one who must give my written consent giving the credit reporting agencies authorization to furnish my credit report in the first place per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer. The consumer law violations are overflowing at this moment and this is my last attempt before the courts are involved and my invoice for monetary payment is mailed. I am fully aware that NO court system provides any type of court filing of bankruptcy or record also. Where are you actually getting the record from and what authority do you have to give that information? I haven't even filed BANKRUPTCY but yet there's one on my credit file I have to fight to get off when law says I have the right to get anything off of my report.
Consumer complaint received 2022-04-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2021-05-12
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. (CA)

The credit bureaus continue to verify accounts in my credit report that are not accurate. They have ignored multiple requests of proof of verification and continue to report inaccurate information that is hurting my credit report and chances of obtaining future credit. I began disputing with the credit bureaus since XX/XX/XXXX and not once have they provided any proof of verification. 

The following accounts have been verified but maintain discrepancies in reporting : XXXX XXXX XXXX XXXX XXXX The following inquiries were not authorized : XXXX ( Equifax ) XX/XX/XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX Mortgage Reporters : XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Equifax ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX ( Equifax ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( Equifax ) XX/XX/XXXX XXXX XXXX I ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( Equifax XXXX XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( Equifax ) XX/XX/XXXX EQUIFAX XXXX XXXX ( XXXX  ) 0XX/XX/XXXX EQUIFAX XXXX ( XXXX ) XX/XX/XXXX XXXX ( Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( Equifax ) XX/XX/XXXX EQUIFAX MORTGAGE XXXX ( XXXX ) XX/XX/XXXX EQUIFAX XXXX ( XXXX ) XX/XX/XXXX I have disputed these accounts and the credit bureaus can not furnish proof as requested in my letters that I sent to them via certified mail. I have attached copies of my most recent letters along with the tracking number.
Consumer complaint received 2022-01-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

In XXXX, I made a payment to Pro Collect Debt collectors ( XXXX Tx ) for a remaining balance of a apartment Lease " break '' as a result of having to move early because of Domestic Violence. It was a partial payment that they accepted, however when I attempted to go online to make a payment towards balance owed it would not allow me to make a payment was {$1800.00} ( paid In full ). I then contacted the company and emailed them. The collection manager responded to the email informing me I cant make any other payment unless it's the full amount. I also asked if my payment from previous month was used towards balance, as it does not show me, nor is there any breakdown. This also made me fearful because I'm eager to pay this off, so I'm able to move into an apartment but I'm concerned I can pay this and it's still showing on my credit and never removed. I then searched on XXXX only to find out this is exactly what they do to people, after they pay off their balance, it's never reported as paid in full or in good standing. This could mean that once I pay in full, there is no place stated that they will stop reporting this negative debt on my credit report, even after it's paid in full.
Consumer complaint received 2022-01-22
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. (TX)

The Credit Bureaus ( TRANSUNION, XXXX, XXXX ) have deemed a company as verified by the name of XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX on my consumers report. I asked them to solidify their reasoning, which leads them to believe that a debt is owed by me to these companies or company. The credit Bureaus have lead me to believe that they conducted a improper and incomplete investigation into this. There are three different company names on each of the Credit Bureaus sites. Due to this incorrect information, it leads me to believe that they did a improper and incomplete investigation, without providing the original documentation requested.
Consumer complaint received 2017-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Mobile banking app does n't update the correct balance. Which has caused multiple over drafts in the lifetime of my account. Some of which have been reversed but some that have not. They are slow to send information to  3rd  part applications such as "  XXXX  ''