davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-20
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: EQUIFAX, INC. (MI)

THIS IS NOT BA DUPLICATE COMPLAINT -- ON XX/XX/XXXX I sent a complaint to the company Equifax via CFPB ( complaint number ending in XXXX ) regarding the unauthorized use of reporting and to affirm that I do not owe the alleged debts listed. I demanded removal of all debts and compensation along with written confirmation that it was done. This was all submitted in relation to multiple consumer rights violations under 15USC 1681 and 1692. The company responded on XX/XX/XXXX that they needed additional info. Writer has been unable to contact the company via phone thus far. However, pursuant to 15USC 1692g ( b ) an Affidavit of Truth was mailed on XX/XX/XXXX and within it I requested verification. Per tracking all correspondence was received by agent XX/XX/XXXX @ XXXX and I am aware that pursuant to 15USC 1692c ( 3 ) if notification is made by mail, notification shall be complete upon receipt. Per law pursuant to 15USC 1692g ( a ) ( 4 ) and 15USC 1692g ( a ) ( 5 ) and per my request made in the affidavit the company had 30 days from the receipt to produce a point-by-point affidavit to validate all debts they allowed to be posted on their site. Subsequently, Equifax is now in default and must pay the invoice and remove all alleged remarks/debts listed in the affidavit sent. I am aware that an un-rebutted affidavit stands as truth in commerce. 
So not only was an affidavit never returned to me but ON XX/XX/XXXX the company responded ( ( Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. We hope this resolves your concerns. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. ) ) As you can see Equifax again, totally failed to respond directly to the complaint. I as the consumer fully understand that a furnisher of information can be MORE THAN ONE entity - so although there may be other reporters- Equifax is ALSO a reporter. Unless Equifax can validate that the information they are reporting is true ; they too are at fault for violating my consumer rights. They also stated that results were mailed to me.I am requesting proof of mailing. I have not received at any point any information regarding my complaint. This is considered falsification and this too is against my consumer rights.
Consumer complaint received 2021-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

I already sent multiple debt validation letters and they willful non-compliant as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] debt showing on on EQUIFAX REPORT : XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX FL Re : Acct # account number # # # # # # # # # # # # # XXXX
Consumer complaint received 2021-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2020-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX is trying to collect on behalf of XXXX   XXXX  for an unknown debt. XXXX XXXX XXXX   has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a RE-INVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$1300.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA.
Consumer complaint received 2018-01-02
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: Resurgent Capital Services L.P. (CT)

XXXX XXXX still shows a balance of XXXX on my credit thats really affecting my credit. the date showing that it was open XXXX XXXX-2017 i even fix my credit in the past so for no reason it should be showing. But it even show charge off Im hoping we can get this resolve so I can see a improvement on my credit because of future purchase that Im planning to make this would help me a lot.
Consumer complaint received 2017-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (IA)

This relates to my previous complaint number XXXX, to which the mortgage servicer ( SLS ) responded in pertinent part as follows : " SLS has investigated the matter and determined an error in the submission of funds to XXXX XXXX after disbursement. To ensure correction of the situation, as of XXXX XXXX, XXXX, we have issued a refund to you in the amount of {$140.00}, which includes principal and interest. Refunds to the escrow account in the amount of {$1900.00} and {$1800.00} have also been applied, less any balances in the escrow account. '' The refunds to my escrow account described in the response letter have not been made. I am still out {$1900.00} in property taxes that SLS failed to pay on my behalf as promised under the terms of my mortgage ( apparently due to an unspecified " error in submission of funds to XXXX XXXX after disbursement '' ), and associated penalties. After receiving the response, I spent the better part of a day speaking with various SLS representatives, none of whom was able to describe whether or when the escrow credits would occur and when or how those funds, once credited, would be disbursed to me to replenish the personal funds I depleted to pay the taxes SLS failed to pay on my behalf and associated penalties. At the conclusion of my final call, an SLS representative actually had the audacity to state that the best she could do for me was offer to open a research case, despite the fact that SLS ' response letter specifically indicated that they had already researched the issue ( over the course of a couple of months ) and concluded that credits were due to my escrow account.
Consumer complaint received 2020-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX is trying to collect on behalf of XXXX XXXX  for an unknown debt. XXXX XXXX XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a RE-INVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$1300.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA.
Consumer complaint received 2020-12-08
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Performance Management, LLC (FL)

In XX/XX/2018 I moved into a new residence and XXXX XXXX XXXX assigned a land line phone number to my house phone. The home phone number was recycled by XXXX XXXX XXXX. As a result for two years, I have been getting daily phone calls from Receivable Performances Management ( calling from XXXX ) a debt collection company stating that they are recording the calls and want to speak to XXXX XXXX. I neither know nor have ever known any person with the name of XXXX XXXX. On many occasions, I have told this to the debt collection company, requested that they do not call my land line and let them know that XXXX XXXX XXXX gave me a recycled phone number in 2018. The behavior of Receivable Performances Management, XXXX. exceeds the ordinary negligence standards and borders on gross negligence or criminal behavior. This is evidenced in their use of federal phone communication lines to intentionally ignore the information I give them, to deny my requests to cease calls and to continue to harass me and stalk me by making Pdaily phone calls demanding that they speak to XXXX XXXX.
Consumer complaint received 2020-07-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (NV)

My first payment was XX/XX/XXXX and sent it XX/XX/XXXX and then XXXX of the month automatically $ XXXX and $ XXXX regular payment and $ XXXX to the principal but the interest is increasing every month and does not decrease I communicate and do not give me a credible reason and still left over 45 minutes waiting on the phone after they hang up on me.
Consumer complaint received 2021-04-05
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP (TX)

Dear CFPB, I hold a 5 Year CD that I opened with XXXX XXXX XXXX during XX/XX/2016, that was taken over by US Bank. I did not notice the letter before my CD renewed this past month, and US Bank has I contacted them, and they wanted more than {$150.00} to cancel the CD, which is more than 200 % of the the full amount of interest the CD will pay out over 5 years. They also renewed the CD at a rate that is low ( .25 % ), when other 5 Year CDs can be found at 3-4x that rate.

I believe their fee is usurious to cancel the CD and unreasonable given the CD just renewed this past month. 

Thanks, XXXX XXXX
Consumer complaint received 2021-04-05
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. (OH)

I was looking to rent an apartment and when I pulled up my credit I found an unpaid negative fraudulent account on my file. I always pay my bills on time I have no idea where these accounts came from. I live in XXXX OHIO. I noticed According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that does not belong to me. The following accounts in dispute are listed below : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX # XXXX please delete these fraudulent addresses asap : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX please remove the following unknow phone number : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2021-11-27
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A. (CO)

On XXXX XXXX XXXX, PNC Bank completed the merger with my bank, BBVA. I completed the process for mobile access to my accounts on the XXXX. To my surprise and dismay, I could not see my accounts, but I could see those of my Ex-husband. These are accounts that have been opened since our divorce in 2018. I could see his recent transactions, etc. 

I went to the branch in my hometown of XXXX CO and sat down with the manager, XXXX XXXX. He was shocked when I showed him that the accounts I was seeing were not my own. I could not see my accounts, so I can only speculate on who could see them. XXXX XXXX could not do anything to help me, but offered to escalate the problem. 

Several days later, I could see my accounts, including a personal signature line of credit ( which PNC labeled a business credit line ) initiated in XXXX of XXXX. The max draw was {$250000.00}. I used {$200000.00}, and had paid the note down to approximately {$170000.00}. The loan terms were interest only for a year, then principal and interest. The historical payments were between $ 700- {$800.00} per month, plus some principal payments. When PNC took over, they upped the payment to {$4700.00}. I immediately called and after many calls and lengthy holds, I was told that it was being escalated. I spoke with a woman named XXXX, no last name given who was sympathetic, yet could not remove the autopay. She said she escalated the case. 
I eventually spoke with XXXX XXXX, a case manager on XX/XX/XXXX, XXXX XXXX, case manager on XX/XX/XXXX, and now XXXX XXXX, case manager, on XX/XX/XXXX. In the meantime I have spoken with at least 5 other representatives who answered the phone and could do nothing. I spoke with XXXX on on XXXX who assured me the auto pay was discontinued so I could make the interest only payment. I promptly paid {$800.00} to cover the interest on XXXX, only to find that PNC continued with the autopay in the amount of XXXX on XX/XX/XXXX! They were going to get their {$4700.00} even though autopay was discontinued, and this is an interest only account! 

I need help resolving this. PNC has been no help in resolving this issue, passing it on to yet another " case manager ''. I plan on closing the account that they are drawing on, as to prevent yet another unauthorized deduction.
Consumer complaint received 2023-04-04
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: Fidelity National Information Services, Inc. (FNIS) (FL)

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. XXXX XXXX XXXX XXXX ( {$47.00} ), XXXXXXXX XXXX XXXX XXXX # XXXX ( {$390.00} ), XXXX XXXX XXXX XXXX XXXX XXXX ( {$2700.00} ), XXXX XXXX XXXX XXXX ( {$910.00} ), XXXX XXXX XXXX  XXXX ( {$560.00} ), incorrect name variations like : XXXX XXXX ( this is incorrect ) XXXX different addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX. Also phone numbers that do not belong to me : ( XXXX ) XXXX. Also Email addresses that do not belong to me : XXXX. All these accounts and wrong personal information being reported on CHEXSYSTEMS have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2021-08-12
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. (GA)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2024-03-18
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (LA)

The company Hunter Warfield, with account number XXXX, is blatantly violating multiple consumer protection laws designed to safeguard individuals like myself against the intentional disregard of basic consumer rights. 

Firstly, according to 15 U.S. Code 1681b regarding Permissible Purposes of Consumer Reports, I never provided written consent for any reporting on my consumer reports. This absence of consent constitutes fraud.

Secondly, under 15 U.S. Code 1692j, which addresses the Furnishing of Deceptive Forms, I am not participating in the collection of the alleged debt. I demand an immediate cessation of all activities related to this matter.

Thirdly, under 15 U.S. Code 1602 ( p ), pertaining to the Unauthorized Use of Personal Information, it is essential to note that even without receiving a tax form 1099-C, cancelled debt must be reported as gross income as per IRS guidelines . Therefore, labeling a charge-off as income, as done in the reporting of this account, is inaccurately handled.

My own investigation and research into legal cases have revealed numerous instances where consumers faced similar issues. Courts consistently ruled that credit reporting agencies can not merely echo information provided by creditors or collection agencies. They are mandated to conduct independent, reasonable investigations to verify the legitimacy of debts and the credibility of involved parties. 

Sending out generic forms via the e-Oscar system, devoid of any specific details pertaining to my dispute, falls short of the requirement for reasonable investigation. Furthermore, in accordance with 15 USC 1681, everything on my consumer report must be 100 % accurate. However, there are several inaccuracies regarding the reporting of this erroneous account, including discrepancies in the date last active, date opened, and dispute status. 

In light of these violations, I demand immediate corrective action and a cessation of any further erroneous reporting.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (GA)

We have had this dispute with Citi for over a year. We assumed this issue was taken care of because we didn't hear from them anymore. We had an issue with Citi saying we owed them {$6200.00}. We told them that XXXX which our balance transfer went through had a positive balance of the {$6200.00}. It was a long drawn out process but XXXX finally released that money back to Citi in XXXX. Now you would think this story is over since Citi now has that negative balance paid off. It's not. I thought my credit score would have gone back up after paying off that balance. I use XXXX XXXX  and there was nothing on there that had Citi on there anymore. It was like it never existed. Which is what we wanted, but my score remained the same. When I contacted XXXX  they told me I have a {$6200.00} balance with Citi. I said, no, that was paid off in XXXX. They said, no sir, it is on there. XXXX XXXX doesn't show it you need to go directly to us to see it. Now I call Citi to see what happened now. It's been over a year of phone calls. Well evidently they put me on a, " do not communicate status. '' I am not sure what they even means but the girl on customer service said, we are not to talk to you about this account. I didn't even know what was a thing. So now I am sitting her with this hurting my credit score. I have a company that put me on a do not communicate with this customer. That means they haven't sent an e-mail, a letter, or anything telling me that my account still has a balance. They closed this account. I want this taken off my credit report. I am trying to not have to take legal action again to get this resolved. If that is what they want to do, then they have to let me know. I know XXXX thing, they will not be getting any payments from me.
Consumer complaint received 2020-05-31
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: AMERICAN HONDA FINANCE CORP (FL)

I leased a XXXX  XXXX XXXX for 36 months with American Honda Finance. I made every monthly payment on time, never missed. When turning in the vehicle at the end of the lease I was unknowingly charged a vehicle lease return fee of {$240.00}. 
The vehicle lease return fee was never brought up to me while getting the vehicle with the agent at the dealership. The fee is mentioned in the very very small fine print on the lease agreement. It is barely readable. 
After returning the car we moved from XXXX FL to XXXX FL due to being affected by hurricane Irma. I did not receive any mail from Honda Finance regarding the charge, nor was I aware of any fee assessed. 
Couple of months later I notice my credit report has a charge off from American Honda Finance. They are still marking my account 30 days late. 
I called American Honda Finance to ask them to waive the lease return fee, due to the fact that we made every single monthly payment on time for the amount of the lease payments, and the fee was never brought up at the dealership, it was only mentioned in the very small fine print of the lease agreement. They declined. 
I am writing this dispute to ask that the {$240.00} lease return fee be waived, all late payment marks be removed, the charge off be removed, and the status updated to paid as agreed. 
The return fee is very unnecessary, and misleading which is why they practically have to hide it in the small fine print of the agreement. It has blemished my otherwise perfect credit report, and it is not an accurate indication of how I pay my bills. I am asking the bureau to assist us and monitor the resolution in this matter.