davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-09
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (FL)

I sent a complaint to you a month ago, # XXXX, regarding Experian and their refusal to sent my yearly credit report. They responded to the above complaint number that the report was mailed to me on XXXX/XXXX/16. It is now XXXX/XXXX/16, and I have still not received the credit report. This is exactly why I am complaining about Experian. They also are constantly releasing negative information about my credit, and then I have NO ACCESS to even see what they have said. I have no problems with XXXX or XXXX, and they provide my credit report online every year, as the law requires. Experian, however, NEVER wants to comply. This is my second request to you for help with this.
Consumer complaint received 2022-09-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (CA)

On XX/XX/2022, I received an alert notification email about my credit report. I submitted the consumer inquiry on www.procollect.com but didn't get any response. So I got on www.procollect.com web chat with the agent. The agent informed me that I have an account for the XXXX XXXX XXXXXXXX account # XXXX in the amount of {$120.00} + {$7.00} collection fee. The letter was sent to me at the address, XXXX XXXX, XXXX, TX XXXX. Even so my balance in full is due in procollect office later than by Monday, XX/XX/2022 or collection efforts will still continue for my account.
Consumer complaint received 2019-10-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (TX)

To whom it may concern, On a recent review of my credit report, I discovered that Caine & Weiner is inaccurately reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. If youre unable to validate the account, then you are to remove the collection account from all of my credit reports. 

Your failure to act will result in this matter being referred to the Federal Trade Commission, the Attorney Generals office and the XXXX XXXX XXXX.
Consumer complaint received 2021-02-04
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: Experian Information Solutions Inc. (IL)

As of XX/XX/XXXX XXXX XXXXXXXX XXXX is continuing to report an expired charge off from XX/XX/XXXX all 3 crefit bureaus that is according to Texas Civil Practices and Remedies is expired. XXXX XXXX is now complicit and continues to further the fraud due to now having knowledge of the fraud and failing to immediately remove the injurious action. I contacted XXXX XXXX today and was unsuccessful in getting the fraud corrected. The representative suggested that I do whatever I have to do to resolve this issue. I'm about to suffer a denial of a Jumbo Mortgage Application due to this fraud and subsequent failure to immediately remove the derogatory entries from my all 3 credit bureaus. My complaint stands on : Texas Civil Practices and Remedies and Finance Code.
Consumer complaint received 2020-05-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CT)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF ED/XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. 
Company Inquiries XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (NJ)

My student loan servicer hasn't been reporting my payments to the credit reporting bureaus since before XX/XX/2021. I called XXXX, now Aidvantage, and they told me they report monthly but they aren't reporting. I have continued making payments every month despite the student loan payment freeze. My balance is being reported as {$19000.00} when in reality I have paid it down to {$17000.00}. I can't confirm specifically when I spoke with XXXX or Aidvantage but it was recently.
Consumer complaint received 2021-04-30
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: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

ON XX/XX/XXXX, I ATTEMPTED TO SUBMIT A DISPUTE TO XXXX, XXXX  AND XXXX  FOR THE FOLLOWING AND I WAS NOT ABLE TO. I RECEIVED MESSAGES THAT A DISPUTE WAS UNABLE TO BE PROCESSED ONLINE, HOWEVER, XXXX, XXXX  AND XXXX  ARE HOUSING INACCURATE INFORMATION ON MY CREDIT REPORT. FOR THE COLLECTIONS ACCOUNT FROM THE CREDITOR FAIR COLLECTIONS AND OUTSOURCING, THEY ORIGINALLY PLACED A COLLECTION ACCOUNT ON MY CREDIT REPORT ON XX/XX/XXXX AND IT HAS BEEN ON MY CREDIT REPORT FOR OVER SEVEN YEARS. IT SHOULD HAVE BEEN REMOVED ON XX/XX/XXXX BUT XXXX, XXXX, AND XXXX  CONTINUE TO REPORT THIS INFORMATION ON MY CREDIT REPORT. ALSO, THE CREDITOR CONTINUES TO UPDATE THE DATE OF REPORTING IN ORDER TO KEEP THIS NEGATIVE INFORMATION ON MY CREDIT REPORT LONGER THAN SEVEN YEARS. THIS NEGATIVE INFORMATION HAS BEEN ON MY CREDIT REPORT FOR SEVEN YEARS AND DUE TO FAIR CREDIT REPORTING ACT, IT IS REQUIRED TO STAY ONLY SEVEN YEARS, THUS I AM DEMANDING AN INVESTIGATION BE DONE INTO THIS AND THIS NEGATIVE INFORMATION REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Consumer complaint received 2020-10-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I had a select credit account with HSBC where two online Cash advances occurred. XXXX for {$12000.00} and XX/XX/XXXX {$3000.00}. The money was transferred to an online HSBC online money market account ( joint account ) with my wife. The money had been transferred out From the joint to two banks XXXX XXXX  and XXXX XXXX XXXX. I called several times to report the issue. This transaction was never tagged as fraud. I have also sent numerous certified letters and have not received any correspondence from the bank. I have sent a police report to HSBC and even went to a branch to speak with a representative and spent 3 hrs on on XX/XX/XXXX to try and resolve the issue. To date i have received no correspondence from HSBC acknowledging the issue. I would like to get an email acknowledging the issue and a reference number for the related investigation.
Consumer complaint received 2019-10-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Collection Systems, Inc. (TX)

National Credit Management XXXX XXXX XXXX XXXX XXXX, MO XXXX To whom it may concern, On a recent review of my credit report, I discovered your company reporting a collection account. Numerous attempts and disputes to resolve this collection issue have gone unresolved. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the XXXX XXXX XXXX and the Attorney Generals Office.
Consumer complaint received 2021-08-04
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: U.S. BANCORP (MO)

US Bank, a large national bank contacted a primary checking account in XX/XX/2021 about a possible fraudulent check written on the account. The check was confirmed by the account holder to be fraudulent and an identity theft dispute was initiated, acknowledged, and accepted. Four months later the bank has not returned the money to the account holder. The checking account was tied to a reserve line of credit. The bank 's internal processes covered the overdrafts by drawing on the XXXX. The bank then knowingly reported to all credit reporting agencies the balance of the XXXX tied to a known and acknowledged identity theft matter for four consecutive months ( XXXX XXXX ). The account was a joint account with the XXXX-aged account holder and XXXX adult children. The bank reported the reserve line of credit as past due in XX/XX/2021, which severely negatively impacted all four joint account owners. Upon contacting US Bank, contradicting stories were presented on when the fraudulent activity was flagged. One US Bank representative claimed the fraud was flagged in the US Bank system on XX/XX/2021. Another US Bank representative correctly stated the fraud was flagged on XX/XX/2021. If it was truly flagged on XX/XX/2021, US Bank violated the FCRA by reporting a known identity theft related account information to credit reporting agencies. If it was flagged on XX/XX/2021, they violated the FCRA by reporting a known identity theft related primary checking account as fraud and not the related reserve line. The Fair Credit Reporting Act states : " Your creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes : supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ). " Common violations of the FCRA by a creditor or other information furnisher include failing to : notify every CRA involved that you dispute the debt submit corrected information to the CRA subsequent to investigating your dispute refrain from continuing to submit information that it knows ( or should know ) is incorrect
Consumer complaint received 2024-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Rocket Mortgage, LLC (NE)

In XX/XX/XXXX, Rocket Mortgage said my payment was late. I mailed payment XXXX and a half weeks before. The check was deposited the first business day after late fees were charged. I took the lateness as being holiday season and let it go. Then on XX/XX/XXXX I got an email saying late fees were going to hit again because of no payment. I made payment online to avoid late fee. On monday XX/XX/XXXX I called Rocket Mortgage to find out what would happen to the check I sent since I made payment online. They said it would be credited to next payment but I did not have funds to cover XXXX payments and Rocket said they would refund in XXXX to XXXX business days. SO I would be without funds for that long so I called my bank and put a stop payment on it. I told the lady that I bet you cash check today since it was after late fees kicked in. Well surprise surprise they tried cashing check that day ( XXXX ). I called Rocket again and asked why they are holding my checks till after late fees kick in, they said they dont. It has happened twice now in 4 months. I mailed check on XX/XX/XXXX, XXXX weeks later they get it. The check is mailed to an address in XXXX XXXX, IL. I also send to credit card payment at the same time to XXXX XXXX. Those checks clear within a week ( in XX/XX/XXXX and XX/XX/XXXX ). So I know the check is getting there in plenty of time. Rocket Mortgage is holding checks till after the late fee kicks in.
Consumer complaint received 2021-02-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I looked at my credit on XXXX XXXX and saw that ARS COLLECTION AGENCY took one medical visit and duplicated over 20 collections on my credit mostly for {$21.00} all for the same date. this is so wrong. I have been sick battling for my life and to find that this kind of injustice and fraud as well as greed is going on behind the scene.
Consumer complaint received 2019-10-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Social Finance, Inc. (OR)

My husband and I applied for a loan to consolidate his student debt with SoFi. They ran his credit and told us we were declined. They sent a decline email within the 30 days they have to notify us. However, they did not tell me why we were declined. If I want to know why I was declined they say I have to call this number XXXX. 

It was my understanding of Regulation B that they have to disclose the reasons we are denied and they can disclose up to four reasons. 

In the email telling us we were denied, they also stated my husband credit report information per Regulation B and the Fact Act. However, I am concerned about the privacy of my husband 's credit report information. Is is safe to email it? They also did not tell my husband how many inquiries he had on his credit report which I believe is another violation. 

I request that you look into SoFi 's credit application process. I am a XXXX XXXX for a XXXX so I know to look for this stuff, but they are advertising to students especially and are blatantly violating Regulation B. Students do not always know to file a complaint about this. But they always should! I have attached the email for your review.
Consumer complaint received 2015-12-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (PA)

XXXX is claiming owner ship of my morgage. 
my morgage in the XXXX district court is owned by XXXX XXXX. 
Even though I have never received a transfer notice as required by law frim XXXX XXXX. 
please find with this complaint copies from the XXXX district court snt to me by XXXX
Consumer complaint received 2019-03-04
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: Experian Information Solutions Inc. (TX)

I have sent XXXX, XXXX, Experian multiple letters disputing multiple inquiries that I did not approve of. I will attach three letters that I have sent XXXX   ask them to investigate theses inquires and it seems to me like they just give me the runaround.
Consumer complaint received 2018-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST CITIZENS BANCSHARES, INC. (SC)

I have had a business checking account with First Citizens Bank for only a little over 2 months and since opening I have been penalized with overdraft fee a total of 59 times for the amount of {$2100.00}. The reason for this is that it seems that when processing occurs at the end of each business day any and all debits are processed before and credits no matter what time the credits or debits were made.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Harvard Collections, LLC (IL)

It appears that the Company Harvard Collection Services , LLC have obtained this account as a result of material misrepresentation, fraud & Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ) and RCW 9.35.020. The Original Creditor did not legally obtain consent to sale, transfer or disclose any account information with your company or any other non-affiliated third party as regulated by 15 USC 6802 of the GLBA. Failure to provide FULL disclosure of material information is an unfair method of competition and unfair & deceptive acts of FRAUD. When a person is defrauded into entering a contract, the contract is no longer enforceable, and the defrauded party may void the contract upon learning of the fraud. You are now hereby notified of the following : Upon discovering FRAUD associated with the contract between the consumer and the original creditor ; the contract is no longer enforceable and is now VOID on its face. As a result, ANY and ALL consent to possess, use and share private information obtained by, through or from that contracted original creditor is now REVOKED, TERMINATED, CANCELED and RESCINDED pursuant to RCW 19.86.020 & WAC XXXX ( XXXX ).
Consumer complaint received 2021-09-08
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc. (LA)

1. Santander Consumer USA XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX TX XXXX did not reported to the Credit Bureaus that the car I co-signed a loan for was returned after the last payment on XX/XX/2018. Santander also sent a fraudulent letter to my advocates email in which all my private information was included. Today when she called, they refused to speak with her even though she has POA on me and after they already violated the privacy rules under the Fair Debt Collection Practices Act. 
All I need is that they remove me from the credit bureaus. 
Thank you
Consumer complaint received 2019-03-04
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)

I have sent XXXX, Equifax, XXXX multiple letters disputing multiple inquiries that I did not approve of. I will attach three letters that I have sent transunion ask them to investigate theses inquires and it seems to me like they just give me the runaround.
Consumer complaint received 2018-03-25
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: Experian Information Solutions Inc. (FL)

Experian and XXXX are reporting inaccurate information on my credit report from XXXX XXXX, account number XXXX. I have not only requested for the obsolete account to be remove but I have also requested on several occasions for both credit bureaus to provide me the format in which they disputed and who verified the information from XXXX XXXXXXXX as I know this information is inaccurate as well as they are reporting incorrect payment history, This account has been closed for several years and is eligible for deletion but yet Experian and XXXX has yet to removed from my credit files.
Consumer complaint received 2015-04-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

I contacted CFPB to dispute a negative mark XXXX XXXX XXXX collecting a debt for payday loan yes. it showed DoFD in 2008. I have never heard of XXXX. I never received any correspondence from XXXX or XXXX. Their response to CFPB is on file case # Case number : XXXX ; however, the negative mark has not been deleted from either credit bureau as promised. I also disputed with the credit bureaus and informed them of the response on CFPB ; however, they continue to report.
Consumer complaint received 2022-09-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (PA)

O n Thursday XX/XX/2022 I received an email from PayPal that I have an invoice for {$560.00} USD from a digital currency company called XXXX. I did not participate in any transaction with XXXX and did not make any purchases of digital currency. I canceled the invoice through paypay.
Consumer complaint received 2018-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I did not authorize or give any information for this inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX INQUIRY DATE - XX/XX/2017 2017
Consumer complaint received 2018-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Omega RMS, LLC (NY)

Had received multiple phone calls a day from OMEGA RMS. When I finally did speak with them, because it was bringing my credit score down, they told me they were collecting a debt from XXXX, a spa in XXXX. The contract amount owed was {$2900.00}. I had a contract with XXXX which I broke, because they had taken money from my account without my permission and far beyond what I owed them per month ( {$1200.00} in two days. ) OMEGA explained I still owed the balance of the contract, which I refused to pay seeing as how the company treated me. So I called XXXX directly. They then called OMEGA, and OMEGA called me back, saying my total amount had been lowered from the original {$2900.00} to {$1100.00}. I agreed to pay it, in two payments two weeks apart. They sent me a written form stating this was the new amount owed and once paid, the debt would be cleared and also removed from my credit information. 

Today, 9 MONTHS LATER, I am receiving a phone call from a new debt collection company, XXXX XXXX XXXX, is trying to collect the " remainder '' of the balance - the exact amount that OMEGA had taken off what I owed ( {$1700.00} ).