davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-01
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: Experian Information Solutions Inc. (WA)

Experian is reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-02-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Charleston Area Medical Center (WV)

Good day, I have tried to get a medical collection that is not mine removed from my XXXX credit report. It is from Healthcare Financial Services an entity that I do not have a contract with, nor have I ever had a contract with. This collection has not appeared on any other credit bureau, nor have I ever heard of this Doctors name or remember ever going to the ER around that time. Then I tried to call and advise I do not owe that collection with the company they state for me to pay it or file a complaint with the credit bureau. When I try to file a complaint with XXXX they stated Ive already disputed it and didnt provide the right information and now I cant re-dispute it.
Consumer complaint received 2019-02-23
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. (FL)

These all need to be verified for accuracy. This is the companys job to investigate their validity. My information was breached by several companies and these are not my inquiries. They need verified and if not verified, they need removed
Consumer complaint received 2015-04-17
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Hiday & Ricke, P.A. (FL)

Can my debt collector place a lean on my daughters car that i co-signed for her? 
A debt collector bought a credit card debt, got judgment in my absence and is trying to collect it by placing a lean on my daughters car that i cosigned for her. she pays the car loan and I do not own the car. Is it legal for the judge to allow them to place this lean on my daughters car?
Consumer complaint received 2019-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

My father and myself have an account with Santander. On XX/XX/2019. 
I dropped off a check on behalf of my father, XXXX XXXX, XXXX to get deposited into HIS checking accout. My brother and myself are my father 's POA. They took the check, deposited it into MY account by mistake, then in turn blamed me for Financial Abuse/Fraud and called Adult Protective Services, without consulting me or asking me any kind of questions first. The bank knows me well. And knew the situation that we were in the process of doing home repairs. When the Fraud Department contacted me from Santander, they told me ( VIA telephone ) that they retrieved an old POA number on my fathers account. It happened to be my aunt, who is no longer a POA or a Trustee, ( She has since been removed of both ). They had no right whatsoever to do that. On top of everything else, Santander LINKED my father 's and my bank account together. Which yet again, my father nor myself NEVER consented to that. When I questioned why the accounts were linked, they then proceeded to shut down my bank account, without disclosing that to me, and went on ahead and closed my account and would not let me have access to the account again. Thank XXXX I was smart enough to make a few copies of the old account and clearly see them depositng the money into my account instead of my fathers. They made HUGE Mistakes. They embarrassment, humiliation, and stress that my father and myself went through ( and am still going through ) was and is horrible that it was to the point were it physically made me sick.
Consumer complaint received 2015-08-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Omega RMS, LLC (FL)

The Company, Omega RMS , LLC is claiming I owe XXXX XXXX ( XXXX ) XXXX and they will restore service. I have never contracted with XXXX and I currently have an active account with XXXX, which I would not if this claim was valid.
Consumer complaint received 2015-07-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (SC)

I have my home mortgage with Suntrust Mortgage Acct # XXXX. Name : XXXX XXXX XXXX. On XXXX/XXXX/15, a very large tree fell on my house during a storm. The insurance adjuster came out, the next day, took pictures, said it was a total loss. I signed a form for him to get the payoff from Suntrust, the insurance was just enough to pay off the loan. He told me to call them, give them his name the claim #, etc, and let them know it would take 3-4 weeks and explain that I could not make a payment because I needed all my available funds to find a new place for my family of XXXX to live. I did that. A few days later, they started calling me. Every day I explained the situation to them, told them the insurance company was going to pay it off. Yet they still called everyday to harass me. On XXXX/XXXX/15 I went to the bank and showed the branch manager the pictures and explained everything to her and she tried to get a manager in the mortgage department to stop the calls, also. Today, a girl named XXXX called again telling me I needed to make a payment. I thought once you told them to stop calling you, they could only contact you by mail. I have enough stress, trying to put a roof over our heads and get beds to sleep in, I do n't need them harassing me to make a payment.
Consumer complaint received 2022-09-03
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: SYNCHRONY FINANCIAL (CA)

Pursuant to 15 USC 1666b A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent. XXXX was not given any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. XXXX is reporting unauthorized inquiries on my CONSUMER REPORT. XXXX is in DIRECT violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. There are several errors now listed on a updated credit report as of XX/XX/2022. ENCLOSED IN THE LEGAL DOCUMENT SENT TO XXXX WERE A COPY OF MY ID ( DRIVERS LICENSE ), AND A UTILITY/CABLE BILL STATEMENT FOR PROOF OF ADDRESS. Pursuant to 15 USC 1666b A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. These concerns were disputed on XX/XX/2022 and have not been removed. the dispute was sent certified mail with return to sender. There are several errors now listed on a updated credit report as of XX/XX/2022. XXXX has caused severe stress and anxiety due to the abusive and unfair practices.
Consumer complaint received 2015-10-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (VA)

I believe my credit report created and maintained by Equifax Information Services LLC and/or its affiliates continue to cite errors with respect to my personal information ; to wit : incorrect and invalid property ( situs ) address. XXXX are CFPB Case Numbers : XXXX ; XXXX ; XXXX ; XXXX ; and XXXX.
Consumer complaint received 2015-06-05
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Dovenmuehle Mortgage, Inc. (CA)

We refinanced our mortgage, and paid the old XXXX off in full. Upon closing the old loan, we were charged {$220.00} for a Loss Mitigation Fee. 

The company, Dovenmuehle Mortgage XXXX XXXX, can not explain what this fee is for, and they refuse to refund the {$220.00}. This loan was suppose to have a no pre-pay penalty.
Consumer complaint received 2016-04-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Radius Global Solutions LLC (AZ)

I had to order and cancel XXXX high-speed internet within a 2-week period because they could not provide me with working internet ( Account # : XXXX ). I cancelled properly, and obtained confirmation # : XXXX. I also completed their online 3-Day Guarantee Form on XXXX/XXXX/XXXX. XXXX XXXX refuses to properly close the account. After I reported this to the Arizona Attorney General 's Office in XXXX of XXXX, XXXX acknowledged the error, and assured us that they have corrected the account. I went a year without receiving any bill, call, or notice of any kind. I believed the account to have been resolved. Unfortunately, I recently received a collections notice on XXXX/XXXX/XXXX for an unpaid balance from XXXX collector, Central Credit Services, LLC ( Central Credit # : XXXX ). I should not have any balance whatsoever. I need to have XXXX XXXX resolve this account error that occurred on their behalf.
Consumer complaint received 2016-03-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NJ)

equifax fails to update my credit bureau report and does not notify me of any changes, additionally they fail to update my Score after I have no delinquencies. 
I continue to have OLD OUTDATED information and medical bills that do not belong to me not to mention wrong information on late charges they have not investaogated and failed to contact me.
Consumer complaint received 2015-08-04
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK (NC)

XXXX XXXX XXXX of the company, XXXX XXXX XXXX XXXX, XXXX called me in an attempt to collect on a very old debt. He told me I opened a Discover card acct. XX/XX/XXXX and I owed over {$20000.00}, but that they were willing to accept a settlement of {$1500.00} and then attempted to get a card number from me. He could not verify where I was at XX/XX/XXXX, which made me suspicious. I also asked him if he could send a letter of assurance to my email detailing that the {$1500.00} would indeed completely settle this debt and he declined, saying he would send a receipt after receiving the funds. I then asked for an XXXX to see what I could learn and possibly verify any of these details and he agreed, giving me his name and number. I looked at the XXXX where I saw a complaint where someone had given a card number to settle a debt and this XXXX was continuing to hit his card. I read more at various sites and was assured that this XXXX XXXX was indeed scammers. Way less than an hour had passed when I called them back and informed him I would not give him anything and to remove my number from his calling list. He then proceeded to threaten me with some kind of court action so I hung up. They do have my phone number, social security number and current address and it does make me nervous. I had already decided that I would not give these people any card or bank information, so in that, I feel relatively safe. It is my hope that they will not continue to pursue me in attempts to collect on what I had learned is a time-barred debt. I actually had my purse stolen back in the XX/XX/XXXX 's and was XXXX over the next years and was unaware of what was happening until now.
Consumer complaint received 2016-04-28
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX unauthorised charged my Father XXXX XXXX 's Card # XXXX for Refinnce my car at a low rate byOpenRoad Lending who wanted to get credit score on payment of {$1.00} only but they charged on XXXX/XXXX/16 not only {$1.00} but made another {$29.00} ( by XXXX ) as regular monitoring service which was never authorized and was even within 7 days of Free Trial period ( which I did not subscribe ) but XXXX not only refusing to refund but agresively pressurizing by sending repeatedly emails and not even clearly confirming that the service has been cancelled.I suspect it to be Fraud and ID Theft by both XXXX and OpenRoad Lending.The address and contact # ofOpenRoad are XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Ph # XXXX Web : XXXX.MY Father 's card was closed by his Bank XXXX when they placed the transaction under Dispute.
Consumer complaint received 2015-07-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CA)

On XXXX XXXX, 2015, XXXX XXXX XXXX XXXX sent their letter to all XXXX Credit Reporting Agency, to have their negative account removed from my credit files. Attached as Exhibit A is a copy of their letter regarding account XXXX. 
On XXXX XXXX, 2015, I sent my letter to Equifax reminding them of the deadline of thirty days to remove the XXXX XXXX XXXX XXXX negative account from my credit file. My letter is attached as Exhibit B. 
As of XXXX XXXX, 2015, Equifax did not remove the XXXX XXXX XXXX XXXX negative account from my credit files, which still appears with the comment : " Consumer disputes - reinvestigation in process, Consumer disputes after resolution. " There is nothing to dispute since XXXX XXXX XXXX XXXX unequivocally told the credit reporting agencies in writing, to remove the negative account. All credit reporting agencies removed the negative account, with the exception of Equifax. 
To date, the matter remains unremoved and unresolved with Equifax, while I am incurring substantial financial loss in my inability obtain reasonable financing for my business expansion due to Equifax negligence and/or disregard. Equifax 's credit report on my files is attached as Exhibit C. It shows the the XXXX XXXX XXXX XXXX, negative account still being reported as my account.
Consumer complaint received 2015-06-15
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I never received a bill for my Kohls Charge due to email delivery and spam. Kohl 's had my home mailing address as well as my phone number but did not use it to contact me until the bill was overdue more then 30 days. Upon being made aware of the bill, I immediately paid it in full. This item should not be on my credit report as it is not truly representative of the events that took place. Kohl 's has been very uncooperative and refuses to look into their poor billing practices. My credit lines history is long and have been flawless for over 25 years.
Consumer complaint received 2020-09-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I have receive multiple calls per day from this phone number as an auto dialer. On most occasions where I did not answer a pre-recorded message was left as voicemail. On most occasions that I have attempted to answer I get several seconds of silence and then I'm hung up on. 
On the occasions that I do get an operator on the line, I have discussed payment arrangements with them and asked that in the future they did not have permission to use an auto dialer to contact me. None of these have resulted in the calls stopping. Each time I have to ask them to check their notes and that I have attempted to make arrangements for payment.
Consumer complaint received 2017-01-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (NY)

In XXXX I transferred my business and closed my utility account at my then business premises. I am now surprised to find that XXXX NY is reporting a past due balance for XX/XX/XXXX. this information is incorrect and its entry is causing harm to my credit.
Consumer complaint received 2015-08-13
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I submitted an application for auto loan refinance. I have been receiving unsolicited mail and email offers for an auto loan refinance for the past XXXX months from Capitol One. Based on this information I submitted an application. I was denied the loan. When I submitted my application I believed based on being harassed with mail from Capitol One I would be approved. I feel this is false advertising an I was unfairly tricked by Capitol One with so many letters of approval that I would be approved without a problem. The denial of the auto loan was a complete shock. I believe their tacticts are unfair. As a result of the denial of my application my credit score was harmed causing damage to my credit score by placing a hard credit inquiry on my credit file.
Consumer complaint received 2015-06-12
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I had a credit card account with Capital One which I closed because of poor customer service. At the time of closing there was a credit balance in the account. According to Capital One I will have to wait 60 to 90 days to get a refund check. This is an outrage.
Consumer complaint received 2016-01-28
Product: Credit card — 
Issue: Billing statement — 
Company: BARCLAYS BANK DELAWARE (OR)

I called Barclays MasterCard credit card services today they said that I owe {$89.00} as of yesterday they change my due date without notifying me. I said no way I paid {$120.00} on the XXXX of XXXX.they kept my payment ... .and want the XXXX and because I do n't have it Barclay will hit me with a late fee. What the XXXX I have a perfect payment record. I refuse to send Barclay a XXXX dime.
Consumer complaint received 2019-02-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (FL)

I revelry opened an account with TD bank and once opened was told to fund the account. I did so and now TD bank is telling me that I will not have access to the funds until I can come to a branch. This is holding my funds hostage and causing a major problem with regards to accessing my money. I requested they override and put the money bank into my account and they have denied access to my funds.
Consumer complaint received 2024-02-23
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: EQUIFAX, INC. (TX)

I am writing to express my dissatisfaction regarding the handling of disputes I have submitted to XXXX, Equifax, and XXXX regarding inaccurate information on my credit report. Despite my efforts to rectify the inaccuracies by detailing the accounts and violations in my consumer report, I have yet to receive any response from your organization within the stipulated 60-day period.

Enclosed with this letter are copies of all correspondence sent to your respective bureaus for your reference and review.

It is imperative to note that your failure to respond within the designated timeframe is not only a breach of the Fair Credit Reporting Act ( FCRA ) but also a violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, your failure to validate the collection account in question is in direct contravention of FDCPA 809b, as confirmed by the Federal Trade Commission ( FTC ) opinion.

Additionally, it has come to my attention that the reporting of the account 's last activity violates 605 ( c ) of the FCRA. The reported date does not accurately reflect the last date a payment was made, thus further exacerbating the inaccuracies present in my credit report.

I hereby demand immediate action to rectify these violations and update my credit report accordingly. Failure to do so will leave me with no choice but to pursue legal recourse to ensure compliance with federal regulations.

I anticipate your prompt attention to this matter and expect a timely resolution. Please acknowledge receipt of this letter at your earliest convenience. 

Thank you for your attention to this urgent matter.
Consumer complaint received 2015-05-04
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: First National Collection Bureau, Inc. (PA)

More than a decade ago, I began receiving debt collection letters and calls regarding a XXXX XXXX loan for someone with a similar name. Its not on my credit bureau. Its not identity theft. Its debt collector " skip tracing ''. I have received over XXXX calls and letters and I just received another. Every time I contact the collector they just re-sell the debt to someone else, for more than a decade. Then I receive a new set of calls and letters. Its been a dozen different fly by night collector organizations. The current letter is from First National Collection bureau. This is a long time harassment that I would like to see ended.
Consumer complaint received 2016-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IL)

Equifax placed an adverse account on my credit report from a company called, " XXXX '' on XXXX XXXX, 2008. This account should have never become adverse because I turned in a forbearance form that should have prevent this loan from ever defaulting. Since this account is scheduled to be removed soon anyway, I would like it deleted from my credit report. It would save me and XXXX XXXX a great deal of trouble. If this account is not removed asap I will have to seek legal counsel to get it deleted.