davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-20
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: BBVA FINANCIAL CORPORATION (AZ)

DEFI/BBVA COMPASS XXXX XXXX XXXX XXXX AL XXXX pulled my credit resulting in a hard inquiry on XX/XX/2018. No consent or written permission was given to them to pull my credit.
Consumer complaint received 2018-02-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC (SC)

I bought a mattress from a local company. The mattress was {$600.00} and i put down {$200.00} and auto with draw for the remaining {$400.00} broken up into payments of {$100.00}. i paid the remaining {$400.00} in payments and the company stop auto debiting my account. Eight months later a company called Security Credit Services. I reached the company with a debt Validation letter and still no response. The letter was sent certified mail with proof. They are currently ruining my credit and not trying to work things out. I do not own anyone nothing because i paid my debts with the original creditor and tried to work things out with the collection company instead they rather report inaccurate information.
Consumer complaint received 2020-12-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MA)

Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2018-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Gemini Direct LLC, dba Credit Innovation Group (FL)

I have 5 moths to Credit Innovation Group to fix my Credit. They has promised me that they can fix my in 1 month to 5 months. I went to check on my credit my credit its still the same with only disput. They have only put disputable on my credit thats it. I ask them for my money back but no respond back. Its Rip Off thats what they doing. XXXX Credit Profile Specialist XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX ( XXXX ) XXXX
Consumer complaint received 2020-01-27
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allegiance Accounting Services, LLC (SC)

In XX/XX/XXXXthrough the present I have received countless calls from multiple collection agencies regarding a loan with The XXXX XXXX in XXXX Co Utah. I have never been to Utah or had business with a XXXX XXXX. I filed a police report in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. After much harassment and multiple attempts at providing letters from Consumer Affairs, Police Reports etc in XX/XX/XXXX, the loan was removed from my credit report. However, the collection companies change hands and start over a year later, over and over. i.e. XXXX XXXX, XXXX XXXX, and Allegiant. Allegiant is the most current and most rude with threats of Arrest, Court, Legal Summons, fowl language and dozens of calls to my work number.

My credit has always been perfect and I am a 38 year military veteran with a XXXX XXXX. The collections have destroyed my Credit, ruined my life and caused me to lose my XXXX XXXX and job.

I want this to end and would like for these companies to be punished and compensate me for over 8 years of abuse, and to stop passing this loan from one collection company to another.
Consumer complaint received 2018-02-20
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: SUNTRUST BANKS, INC. (CA)

I recently received a new copy of my credit report and I noticed an account was placed with collections in my name that I have disputed as fraudulent or belonging to someone with a similar name. I had no knowledge of this debt yet " XXXX ''. has continue to report it to my credit file. I had sent a certified letter to the collection agency and to " SUNTRUST '' ( the original creditor ) asking for " DEBT VALIDATION '' and I never received a response back. I believe this account is fraudulent or belongs to someone else with a similar name. This debt is not mine and I've tried every option I could think of to fix this erroneous reporting of this account to my credit file.
Consumer complaint received 2022-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Westlake Services, LLC (FL)

I HAVE TRIED TO TALK WITH THE COMPANY TWICE BECAUSE THIS ACCOUNT IS FRAUD. BUT THEY GAVE ME NO INFORMATION ABOUT THIS ACCOUNT BUT THEY CONTINUE TO REPORT IT ON MY CREDIT REPORT. I'M NOT SURE WHAT TYPE OF ACCOUNT THIS IS. THEY TOLD ME TO FILE A POLICE REPORT SO I DID ON XX/XX/2021. THIS ACCOUNT STILL REMAINS ON MY REPORT AND IS SHOWING SOMEONE HAS BEEN MAKING PAYMENTS BUT THIS IS NOT ME. I ALSO HAVE TWO OTHER ACCOUNTS THAT IS SHOWING ON MY CREDIT REPORTS THAT I KNOW NOTHING ABOUT. PLEASE HELP BECAUSE I AM NOT GETTING ANY WHERE.

THANK YOU SO MUCH..
Consumer complaint received 2020-01-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (MO)

Last year XXXX the Department of Treasury was holding money out of my XXXX check and then stop around XXXX of XXXX. I called them and was told that my student loans where paid off, i asked if there was any more student loans. I was told no that they did not have any more loans. I was inform to call PHEAA and US Department of Education and ask both companies if I had any more student loans, they said I did not have any more loans. XX/XX/XXXX I received a Letter saying that I had 2 more loans from PHEAA to pay. So I called them and ask where the 2 loans came from, and that i want copies of the student loan. I was told that they did not have any paperwork for the loans. Ask how come they sent my a bill and not have paperwork for the loans. Then I said it bs that after i got the 3 loans i had paid off that 2 more loans magically appear from no where. This not the first time this has happen. I want to get this inspected and resolve before it is sent to credit agency.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXXXXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX & XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Brown’s New Credit Bureau Inc. (AZ)

I received a letter in the mail in regards an account I do not recognize for the amount of {$1100.00} I have asked them multiple times to verify this account by sending me all documents requested, what type of services where given at XXXX XXXX XXXX XXXX please be advised that I do not give any authorization to XXXX XXXX XXXX to release my medical information since its very sensitive information. please be advised that if they cant verify this account it must be removed from my credit report if they report it to the credit bureaus its a violation of the FAIR CREDIT REPORTING ACT. reference number XXXX
Consumer complaint received 2021-09-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OH)

I have a mortgage loan serviced by Mr. Cooper and they have charged me XXXX in fees ( {$25.00} x 2 ) because 2 lenders had made unauthorized requests for a payoff amount on my Mortgage. I was in the initial stages of looking at refinancing options and didn't give these lenders permission to request a payoff quote. Mr Cooper not only provided them the info they charged me for each request. 

I called them and they said they would not remove the unauthorized charges. They tried justifying it by saying the requesters could have got it for free by mail but they chose to get it electronically and accepted the {$25.00} fee while totally ignoring the fact that I was repeatedly telling them that I never authorized them to request it in the first place.
Consumer complaint received 2018-02-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (GA)

I have been disputing with Receivables Performance Management against inaccurate and unverified collection account on my credit reports. I have sent letters informing them that I am unaware of this account with them, sent debt validation letters for proof and evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay the alleged debt to them. I have attached most of those documents that I have sent to them. I have yet to receive any response from them with the proper proof. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of any alleged debt a business says that I owe it. It also states that upon receiving this validation letter, one must cease from collection calls, letters, and efforts and delete the account from my credit files until the debt can be validated. This is a clear violation of the FCRA. Also, the bureaus have been reporting collection agencies own the same accounts. My credit report, as of XX/XX/18, shows XXXX XXXX XXXX collection agency owns XXXX XXXX at {$1200.00}, and Receivables Performance Management collection agency owns the same XXXX XXXX account listed with Receivables Performance Management at {$770.00}. It is a violation of FCRA law to report various inaccurate and unverifiable collection accounts owning the same accounts with different balances within the same 30 day period. I have included pictures of my credit reports to verify my claim on this. Please help me to get XXXX XXXX to delete these inaccurate and unverified accounts from XXXX, XXXX, and XXXX. I have been fighting with them about these accounts for over three months.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (TX)

This is a continuation of account number XXXX, submitted on XX/XX/2021 closed on XX/XX/2021. 

Although the letter received from the company ( Macy 's ) states that there indeed WAS a mistake and the account was duplicated and would be corrected, I have since received letters stating that there was not an error and no corrections would be made.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Transunion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$35000.00} XXXX  XXXX Balance Owed : {$1700.00} XXXX XXXX  XXXX Balance Owed : {$35000.00}
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Company transunion failed to properly investigate the accuracy and validity of a few items in my credit report and did not notify me of results. Transunion sent a letter saying that did not open investigation because they didn't believe it was properly authorized by me. Listed inside the dispute letter I put all my identifying information to identify myself.
Consumer complaint received 2018-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (AZ)

I've attended XXXX during the XX/XX/XXXX to XX/XX/XXXX school years. I have two student loans left which both are Stafford Loans with 4.85 interest rates. Soon after the school XXXX took over the loans. While not any better at the time, it was managable since my payments were exceptable. Since Navient took over, has been nothing but problems. It is impossible to deal with these clowns. No one seem to give any kind of information about changes in the loan. One month the loan is at {$150.00}, the next month is {$300.00} claiming there are late chargers applied. I was in a hardship 2 years ago. They put me in forbearance. My status has not changed unfortuantely with recent health issues. I've applied for IDR 1 year ago. I have yet to see the process completed. They keep pushing me in forbearance on purpose to collect on interest. These people are scumb. Someone needs to deal with them. Reading other people 's posts and it scares me how these people are playing with other peoples lives. Please help.
Consumer complaint received 2020-06-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank of America closed my account without notice and told me it was a company decision. They have put myself and my family in a bind as they will not release my funds to Me until the latest XXXX. I even took steps to ensure no more payments would be debited from my account so I could get my money released. I have had Bank of America since 2006. How they have treated me has been very unprofessional and making me feel like Im scum. This has been over 3 weeks and now and would like our money.
Consumer complaint received 2021-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (DC)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The particular account position ( WELLS FARGO CARD SER Opened : XX/XX/2016 ) ; that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-09-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I requested a copy of my credit report two weeks ago i have not recieved my copy by mail. Equifax has not updated my credit report in three months. Equifax is in voliation of FTC laws governing my credit file. Equifax has not provided documention for any of my recent disputes.
Consumer complaint received 2018-02-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (PA)

Started to work on my taxes today ( XX/XX/XXXX ), and noticed that PNC Mortgage hadn't added my hazard insurance payment of {$510.00} on my escrow account. Attached is a receipt showing that it was paid on XX/XX/XXXX ; for the period of XX/XX/XXXX thru XX/XX/XXXX. INSURANCE WAS COVERED SO WHY ISN'T IT SHOWING UP ON MY ESCROW ACCOUNT FROM PNC MORTGAGE???? 

My account was transferred to XXXX or XXXX XXXX on XX/XX/XXXX, this shows that PNC Mortgage was responsible for paying my hazard insurance for XX/XX/XXXX. XXXX or XXXX XXXX didn't pay anything towards my insurance until XX/XX/XXXX for XX/XX/XXXX ( XX/XX/XXXX thru XX/XX/XXXX ). 

I have attached on the necessary paper work for your review. This is exactly the same thing that PNC Mortgage did when they withheld my monies for repairing my home for over 7 years.
Consumer complaint received 2021-03-29
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 — Investigation took more than 30 days
Company: I.C. System, Inc. (IL)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2022-05-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CITIZENS FINANCIAL GROUP, INC. (ME)

I bought a XXXX XXXX XXXX from XXXX XXXX on XX/XX/XXXX. The XXXX was thru Citizens Bank. Loan was for {$44000.00} ( we paid {$5000.00} cash ). The first payment was due on XX/XX/XXXX. I decided to get financing with my local credit union as they offered lowered rates. XXXX XXXX XXXX XXXX sent Citizens Bank {$44000.00} on XX/XX/XXXX. 
ON XX/XX/XXXX, XXXX said they couldn't close the account as there was an balance that needed to be paid. I tried calling their Customer Service XXXX and at the time, the wait on hold was XXXX hours. I never got to speak with anyone. I kept getting disconnected after entering my credentials. I had tried to call in XXXX, XXXX, XXXX and the same thing happened... ridiculously long wait time and phone would disconnect. However, on XX/XX/XXXX, I was able to speak to a customer service person. I told her that I think XXXX charged me with a monthly payment and shouldn't have, since first payment wasn't due til XX/XX/XXXX and the payoff was received on XX/XX/XXXX. She waived the late fee of {$8.00} but that was all she could do. I asked to talk to a XXXX and she said the " XXXX could not help me ''. She said she would notate my file. 
I kept getting bills. I was able to " connect '' with " XXXX '' on XX/XX/XXXX @ XXXX eastern time, and he said he doesn't handle collection accounts and transferred me and got disconnected. I tried calling again, and again, and again, and never got thru. The call kept getting disconnected after entering credentials. 
I live in Maine and there are no branches located in Maine. I tried calling a branch in XXXXXXXX XXXX and someone took my info and said they would try to find someone I can speak to. I still have yet to get a call. 
This is now being reported on my credit report and is not accurate. This isn't money I owe. And I can't get in touch with anyone at Citizens to talk about this. They also added back the late fee in the monthly billing they send me but the amount of {$160.00} is being reported on my credit report.