davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-03
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: V and H Portfolio (CA)

original loan was with XXXX. debt was paid late to XXXX  XXXX XX/XX/2021. Debt has been sold to Vance and Huffman. They are reporting it as a brand new XX/XX/2021 delinquent debt. Original debt is over 3 years old. Vance and Huffman refused to validate debt and insists that it is ok to report the delinquency as XX/XX/2021. Vance and Huffman refused to do due diligence on payment to XXXX XXXX and insisted that the onus of any debt validation is on me and not them.
Consumer complaint received 2018-07-25
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. (TX)

I sent XXXX, XXXX, and Transunion my FTC ID Theft Report # XXXX & XXXX Texas Police Report # on XX/XX/2018. I asked by letter that and the fraudulent accounts : XXXX XXXX ( {$100.00} ), XXXX XXXX XXXX XXXX ( {$950.00} ), XXXX ( {$1600.00} ), and XXXX ( {$1400.00} ) be BLOCKED from my credit file under the FCRA section 605B. Talking with Transunion ( rep XXXX XXXX ) on XX/XX/2018 at XXXX XXXX central time he informed me that Transunion does not block but dispute accounts. This rep did not know about the FCRA section 605B or the language on the Transunion website which states a consumer can ask for the accounts reported on the ID theft report be blocked. XXXX closed our conversation by informing me that the website was wrong as is the FCRA section 605B.  Transunion, XXXX, and XXXX received my ID theft report and police report # on XX/XX/2018. This fraudulent information should be block within 4 business days and notify the creditors. I should not have to talk with someone who lives in another country that does not know the FCRA rules and information on the company 's website. I will file a small claims suit if these credit reporting agencies do not abide by the FCRA rules.
Consumer complaint received 2021-01-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

To whom it may concern, based on XXXX profile, an individual named XXXX XXXX XXXX, was selling french bulldogs which I decided to buy. He proceeded to send me pictures and videos of these dogs. I even video called with him and can confirm he is indeed the profile on XXXX and XXXX. He showed me the dogs he had available at the time and advised me of his price. The total was {$81000.00} USD for eight adult XXXX XXXX  which included, their shipping, XXXX, vaccines, and all that entails bringing to the USA. After wiring the initial deposit on XX/XX/2020 of {$15000.00} USD, he gave me the balance due a week prior to shipping. After making the final payment of {$66000.00} USD, he then blocked me on XXXX and XXXX as well as deleted his profile and created a new one. There are numerous other complaints of him from others on social media where he continues to offer dogs to other people and has also scammed many others. This amount of funds is affecting the day to day business operation for myself and my family. This will is detrimental and devasting for our finances. We have proof of pictures of him that shows his car tag which might assist the authorities. You attention to this complaint is greatly appreciated. 
Respectfully, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (GA)

I received a letter from Capital Accounts dated XX/XX/2019 that says I owe XXXX XXXX   {$360.00}. Following are the facts on that billing to me ; -- I got a procedure done at XXXX XXXX XXXX XXXX and apparently XXXX XXXX provided XXXX  and some supplies at that practice. 
-- I got bills from XXXX XXXX XXXX XXXX, a XXXX, a XXXX and XXXX XXXX. They all had filed the insurance claim and I needed to pay 10 % of the covered amount as per my insurance situation. 
-- XXXX XXXX filed claim only for XXXX service and I am supposed to pay {$25.00} for that. But the bill I received from XXXX XXXX was {$270.00}. I called them on XX/XX/2019 and then on XX/XX/2019 but the lady could not answer the charges. Finally a manager called a few days later and told me that apart from {$25.00} for XXXX there is a {$250.00} charge for supplies that was not billed through insurance because XXXX XXXX is not in the network ( of my insurance ). 
-- On XX/XX/2019 I talked to XXXX XXXX XXXX XXXX where I received the services and asked them why did they hire someone to provide supplies who was not in my insurance network. They said that they will talk to XXXX XXXX and it has to go through insurance. 

So, I only owe {$25.00} to XXXX XXXX and did not pay their bill of {$270.00} as they refused to correct it. I checked all the consent papers I signed at XXXX XXXX XXXX XXXX and I never authorized anyone to provide me services or goods from out of my insurance network. So, I only owe {$25.00} to XXXX XXXX and did not pay their bill of {$270.00} as they refused to correct it. I checked all the consent papers I signed at XXXX XXXX XXXX XXXX and I never authorized anyone to provide me services or goods from out of my insurance network. 

This charge of {$250.00} is a rip off, it is amazing how XXXX XXXX is in network for XXXX   service but not in the network for supplies. I never ordered any supplies or services from XXXX XXXX. I understand they work with XXXX XXXX XXXX XXXX where I got service and I have paid every component of that service which was legit. If they send me a corrected bill I will be glad to pay off {$25.00} for XXXX service. If any other charges are legit they can go through the insurance and I will take care of my portion as required. 

I sent dispute letter to Capital accounts and they keep sending me bills. Over the phone they told me that they consider the charges legit based on what merchant says. It is not their job to validate the charges.
Consumer complaint received 2019-06-08
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: SUNTRUST BANKS, INC. (GA)

Opened an saving account at SunTrust bank, was not informed that my account would be converted over to a checking which cause me to have several overdraft fees, called them to complain but it was helping or they were not trying to help me resolve my issue, so now I'm left with a balance with them because they didn't send me a letter or help me with my issue
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ECMC GROUP, INC. (CA)

I have provided evidence to XXXX and to ECMC over 6 or 7 times and they have refused to remove the information thats well over the amount of time allowed by law.
Consumer complaint received 2021-01-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

We fell behind on our mortgage some time ago and we thought we were getting assistance from different sources. Ultimately no one helped and everyone said they could, our financial probelms started before the covid pandemic, but the pandemic has made things worse. the primary borrow has had health issues, for a number of years, and the coborrow has been dealing with her elderly mom. 

Recently we reach out to the servicer and they said they would try and help by modifying the loan and since the primary borow is stable with her health and the Mom is doing much better, we should be able to maintain consistant monthly payments. We have sent a completed loan modification package in today and plan to follow up with them on monday, they said the process will be expedited because of the sale date and hopefully postpone the sale date. worse case would would need to sale property and recover what equity is available. Primary objective is the continue to live in the property and provide shelter for my family.
Consumer complaint received 2021-09-03
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: EQUIFAX, INC. (VA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-11-19
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings (FL)

On XXXX, I noticed a collection entry on my credit report. On XXXX, I wrote a debt validation letter addressed to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, KS, XXXX via certified mail. The letter was delivered on XXXX to the Front Desk/Reception/Mail Room according to the USPS tracking information. As of XXXX, I have not received any communication from XXXX XXXX XXXX regarding the validity of this debt. On XXXX, I disputed the information with XXXX via letter sent by certified mail. On XXXX, I disputed the information with XXXX  via letter sent by certified mail. On XXXX, I disputed the information with XXXX  via letter sent by certified mail. On XXXX, I disputed the information with XXXX
Consumer complaint received 2024-04-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (PA)

I purchased my home in XXXX of XXXX using an FHA loan through XXXX XXXX, which subsequently sold my mortgage to Freedom Mortgage. Unfortunately, since then, I've encountered persistent issues related to my property taxes. The first problem arose when I received a letter from the county stating that I owed {$3000.00} in taxes. Despite numerous calls to Freedom Mortgage, I faced long wait times and repetitive responses, with no resolution. Eventually, I took matters into my own hands, researched and contacted an executive who helped connect me to the head of the call center in Pennsylvania. After a month, I finally received the answers I needed. 

Fast forward to XX/XX/XXXX, and I find myself in a similar situation. Over the weekend, I received yet another letter from the county threatening a new lien on my property due to delinquent taxes. Despite paying my mortgage on time, I continue to receive these notices. Today, I was forced to pay a delinquent tax bill with late fees out of my own pocket. While I've considered refinancing my loan with another bank, the prospect of higher interest rates dissuades me. It seems I'll have to deal with this ongoing issue because Freedom Mortgage fails to pay my taxes promptly. I hope to find assistance here, as I've been unable to get help from Freedom Mortgage and want to prevent others from facing similar challenges.
Consumer complaint received 2022-04-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY (MI)

XXXX XXXX XXXX continues to harass, mislead, and intimidate me with hostile collection practices. Multiple representative claiming to represent XXXX XXXX XXXX contact me throughout the day, threatening additional legal action. Unbeknown to me, XXXX XXXX XXXX sent a summons to a XXXX address for which I did not reside. At the time, I was living in XXXX and was not aware of any legal proceeding by XXXX XXXX XXXX. As of XX/XX/2022, I offered to settle with XXXX XXXX XXXX at {$570.00} per month for XXXX. XXXX XXXX XXXX declined my offer ( {$6900.00} ) and thus, demanded immediate payment including my bank account information. The following are the hostile tactics used by XXXX XXXX XXXX. XXXX. Sued without properly notifying of a lawsuit, sued me in a state where I did not live, sending summons to XXXX, while I was living in XXXX. XXXX. Threatened and suggested my credit would be damaged. XXXX. Attempted to seize my property, personal bank account, demanding my debit card information. XXXX. Communication tactics ( repeated phone calls, using threatening and abusive language, transferring me to numerous XXXX XXXX XXXX personnel. XXXX. Threatened to take additional negative legal action, taxes, and garnishment if I did not provide access to my bank account. XXXX. Contacted me after requesting them to stop.
Consumer complaint received 2017-12-16
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. (IL)

Someone has gotten a hold of my identity and opened XXXX account and applied for many ; wrote into all credit reporting agencies to dispute account and inquires, this has not been investigated, updated or removed. The XXXX account is XXXX XXXX XXXX XXXX credit cards and all non-account holding inquires. Every account that I applied for have been approved.
Consumer complaint received 2023-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is in response to complaint XXXX regarding Transunion. They mailed me correspondence basically implying that they did not believe that I submitted the complaint, and they were not removing the account even though it is identity theft. I have already submitted a FTC complaint and the account has already been removed from my XXXX report, so I am having a hard time believing that Transunion did anything to complete the investigation. I do believe that this is a stall tactic in order to keep the inaccurate account on my credit report. Once again, the account in question- XXXX XXXX XXXX is not MY account so I am demanding that this account be removed from my credit report immediately before I am forced to seek legal action. Transunion has violated so many FCRA regulations and I will be seeking {$1000.00} per violation. I also reached out to XXXX, and they have not been able to provide any information linking me to opening this account. How are you continuing to report an account that is unverifiable? Remove this account within 15 days from receipt of this complaint. I will attach the FTC report and the stall tactic correspondence I received from Transunion.
Consumer complaint received 2022-04-26
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: AES/PHEAA (FL)

I disputed derogatory reporting on my credit reports by Federal Loan Servicing on XX/XX/XXXX. My dispute shows proof that I was never XXXX, XXXX or 180 days late on my student loans from XXXX. During that time, I was a graduate student at University of XXXX. I also had a One-year Hardship Agreement starting on XX/XX/XXXX because I was taking care of my father who was on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have asked for proof of the original loan documents to help prove that I was charged interest during these times and that Federal Loan Servicing continued to show me late. In each loan, Federal Loan Servicing shows that I am " current '' and then the next month they show I am 90 days late, then 120 days late and they have a comment that I was 180 days late. This is not true and is hurting my credit report and ability to build credit and move forward in my life. I have no resolution in this matter, no documents from Federal Loan Servicing and no change on my credit reports which are now " updated '' with exactly the same information. I would like these loans deleted from my credit report until there is a resolution of the correct amounts and no derogatory reporting. Thank you for your help!
Consumer complaint received 2024-04-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Recovery Ace Inc (CO)

I have paid this company {$3600.00} for this debt. The final payment was {$550.00} instead they rejected he payment saying i owed another {$1100.00} in interest saying I now owe over {$1800.00} after we came to a court organized agreement. They are fraudulent and now trying to collect more than owed
Consumer complaint received 2020-11-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (MS)

On XX/XX/XXXX I sent a letter of validation to online information services to verify a medical debt that they stated I owed in the amount of XXXX they replied with a copy of the charges that was billed they did not show proof that i was the one that authorized that charges and did not show anything with my signature on it
Consumer complaint received 2021-01-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (IN)

Appeared in court with XXXX XXXX, for an eviction/ending lease. The judgement was ruled at {$980.00} on XX/XX/20. I paid amount in full as soon as I had the money and by the due date on XX/XX/20 and was posted on XX/XX/20. XXXX XXXX proceeded to send my debt to collections agency XXXX XXXX XXXX for {$2100.00}. When notified the collection agency I told them it was paid. They called XXXX whom proceeded to tell them it was not paid, they had the correct amount, and to report delinquency to the credit bureaus. I now have derogatory marks and a false amount on my credit accounts due to this. I called XXXX to settle this dispute and they just responded that they did see I paid. I would like both this erased from my credit all together.
Consumer complaint received 2021-01-30
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)

Equifax refuses to investigate and delete fraudulent unauthorized hard inquiries, they simply say they Im out of luck. 

Here is the letter I sent them. 

XX/XX/XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX Dear EQUIFAX I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX XXXX INQUIRY ON : XX/XX/XXXX Creditor : XXXX XXXX XXXX INQUIRY ON : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX ON : XX/XX/XXXX Creditor : XXXX XXXX INQUIRY ON : XX/XX/XXXX Creditor : XXXX XXXX INQUIRY On : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX XXXX services Inquiry on : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX  XXXX XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX XXXX Inquiry on : XXXX Creditor : XXXX XXXX XXXX on : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX  XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Inquiry on : I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below. 
I look forward to receiving an updated copy of my credit report reflecting the above corrections. Thanking you in advance.
Consumer complaint received 2018-07-25
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. (WI)

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. They have ignored repeated requests to verify this account under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. Thank you.