davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: HomeTown Lenders, LLC (FL)

We were told onXX/XX/XXXX we were approved for a VA Loan by Home Town Lenders. The agent is XXXX XXXX who told us when asked three times if we were approved for the VA Loan. OnXX/XX/XXXX we were called at XXXX XXXX   to tell us that we were denied the VA Loan AFTER XXXX XXXX. Here we are with one day BEFORE the house appraisal to try to stop the bank from sending out the inspector. The inspector DID NOT check his E Mails and started the inspection we were told. So now XXXX XXXX says he sent XXXX mails to the bank but we were too late he had already started the inspection. So I asked what about my XXXX they debited from my account and his response was Well, since I had a short sale in XXXX and this is why we were denied the loan. Implying Had I told him I had a default this wouldn't of happen. A short sale is NOT a default. No telling him that. He then stated that we would be getting only back XXXX due to the inspector having started the inspection. He was keeping XXXX for his time. We were told that back on XX/XX/XXXX the bank sent out the check register mail. When We contact Home Town Lenders for our money all they say is check is in the mail. Here it is XX/XX/XXXX and still no check. I am on XXXX and can not afford a attorney.
Consumer complaint received 2022-04-07
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)

I have disputed these unauthorized inquiries on my credit report with the lenders and Equifax repeatedly and have not been able to rectify the situation. I ask that you remove these fraudulent inquiries from my credit report : XXXX XX/XX/XXXX Equifax Mortgage Solut XX/XX/XXXX XXXX XX/XX/XXXX
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I HAVE REASON TO BELIEVE IVE BEEN A VICTIM OF IDENTITY THEFT BECAUSE THERE IS AN ACCOUNT AND INQUIRES REPORTING TO MY CREDIT REPORT THAT I'M NOT AWARE OF AND NOT SURE WHO THE ACCOUNT BELONGS TO AT THIS TIME.
Consumer complaint received 2022-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX {$81.00} / XX/XX/XXXX XXXX / {$4500.00} XXXX XX/XX/XXXX XXXX XXXX/ {$28000.00} XXXX XX/XX/XXXX XXXX / {$0.00} / XX/XX/XXXX
Consumer complaint received 2022-04-07
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: Experian Information Solutions Inc. (OR)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, US Dept of Education XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 instructions
Consumer complaint received 2022-04-07
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. (FL)

With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX {$81.00} / XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX XXXX {$0.00} / XXXX
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA (PA)

I sent the follow letter to XXXX XXXX XXXX  XX/XX/2024 XX/XX/2024 EFFECTIVE IMMEDIATELY and INDEFINATELY : Per the FERPA, as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you - written and/or unwritten, verbal and/or non verbal - per 20 USC 1232g and 34 CFR Part 99. 

Do not report to any consumer reporting agencies including but not limited to XXXX, XXXX and XXXX.
Consumer complaint received 2021-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

It is well known that Capital One Bank had a major cyber incident on XX/XX/2021 where SSNs were stolen. Since then I have attempted to turn on 2 factor authentication so that I can receive a text message with a one time passcode upon every logon. Unfortunately, there are no settings on my account for this. In talking to support I have been told that it is setup and there's nothing further that can be done. This is completely unsecure and needs to be resolved. This is the only financial institution that does not have 2 factor auth working correctly.
Consumer complaint received 2021-05-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Quality Recovery Services, Inc. (SC)

I have submitted complaints XX/XX/2021 I dont think the officail understand what i was saying I did not say the police report as fraud it was proof that my wallet was indeed stolen and that people have been using my information also submitted letters from my lawyers sent to all entity 's all I have never been issued a credit by or was I never contracted with quality recovery service this has been a hard ship burden on my life i have not been able to apply for credit or a home because of this fraud I will seek full damages I demand you take this fraud off my credit report asap! as I said in my perceived complaint before i will attach my id & police report & the letter from my layers sent to these enitys with late responds with more fraud documents with no vaild proof of contract or proof of credit issued this have volated my rights if these account do not get removed I will be sues eveyone involved.
Consumer complaint received 2021-05-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NH)

From XXXX XXXX to today XX/XX/2021, Santander Bank has charged me 2 overdraft fees {$35.00} each for checks that came in at the end of the day unbeknownst to me, and right before my regular deposits occurred. In fact I was able to deposit money in the bank before XXXX XXXX  when I saw I was going to be short by {$18.00} dollars. Then, and in both cases, checks for {$30.00} each came in from my bill pay account, right before my regularly pension checks come in. We're talking hours before deposits came in.
Consumer complaint received 2022-04-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Levinbook Law Firm, P.C. (NJ)

I went through a series of treatments and I was mislead to think I was " covered '' and I was told " no worries you are covered ''. After procedure done, bills started coming like oops we forgot to tell you. 

I was never quoted or asked if I agreed on the amount for the treatment. I know insurance paid the the debt and now they want me to pay it again. 

They send me 4 FDCPA letters alike and with absolutely no description of what it is.
Consumer complaint received 2018-02-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (SC)

I have an account with XXXX XXXX. I paid my XXXX payment late. When I realized the payment was late I logged into their website to make a {$65.00} payment. This payment was consisted of the payment due of {$45.00} and a late feeAt the time the website stated that no other money was do until XX/XX/2018. Thus I paid the account based on the information on the website. I log into my account today ( XX/XX/2018 ) to make my monthly payment and it say I have a minimum do of {$90.00}. I begin looking to the activity section on the account, which is closed, and it says that I was charged a {$38.00} late fee and some extra interest for the month of XXXX. I call to inquire as to why a second late fee was accessed onto my account and was told that I short paid the last months payment. I tried to inquire as to how that is possible when I simply paid what their website stated like I have for the past three or four years. They told me that the paper statement that was mailed to me stated a payment of {$88.00} was due and not {$65.00}. Then I asked why their website stated on thing and a paper statement would say another for which I couldn't get an answer. I asked why would I not paid the extra {$23.00} to avoid them charging me {$38.00} as it doesn't make since. Then I asked can I not to rely on the information that is provided on the website and only on a paper statement, again receiving no response. I explained that I don't look at paper statements since most companies have gone completely electronic. I also explain why would I short pay my account when there is not one time in the accounts history that something like that has been done but no answer. Every question I asked was met with its on the paper statement. I even asked why have the information on the website if its not accurate or one needs to rely on a paper statement, again not response. My problem is if I rely solely on a paper statement and the website has different information which on is to be believed or does the bank get to pick and choose between the two in order to charge a late fee, by the way the account has not been late in well over a year and when its late its only due to the fact that I forgot and not that I have trouble paying the account
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a third party! 

According to 15 U.S. Code 1666 ( a ) ( 1 ) ( 2 ) ( 3 ) - Correction of billing errors, on my consumer report there are unverified and inaccurate late payments reporting for XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. I was incorrectly billed and I have proof. 

Please review attachments!
Consumer complaint received 2022-04-07
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)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-07-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: OneMain Finance Corporation (IN)

XX/XX/XXXX payment-On time XX/XX/XXXX payment-On time XX/XX/XXXX payment- On time XXXX XXXX showing 30 day late XX/XX/XXXX payment-On time XXXX XXXX showing 60 day late XXXX XXXX-showing 90 day late XX/XX/XXXX XX/XX/XXXX {$700.00} pd from checking XX/XX/XXXX {$280.00} pd from checking XX/XX/XXXX {$280.00} pd from checking XXXX XXXX showing 30 day late XX/XX/XXXX XXXX {$280.00} pd from checkinXX/XX/XXXXshowing 30 day late XXXX XXXX showing 60 days late XXXX XXXX-showing 90 day late XXXX XXXX showing 120 day late
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DE)

I switched cell phone carriers from XXXX to XXXX. XXXX promised to pay off my XXXX cell phone bill, but they never paid the remaining amount, leaving an {$1100.00} balance on my credit file. I paid it down to {$200.00} because XXXX said they would delete it from my credit file, but they never did. Not only was I not responsible for the full amount, I paid it and still it remains on my credit. XXXX said they sent a XXXX XXXX with the balance but it got lost, and they said there is no way they will re send it. I was scammed.
Consumer complaint received 2021-05-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery is trying to collect a debt account number XXXX, that i have no knowledge of, and that i believe is a result of Identity Theft. I sent Portfolio Recovery a debt validation letter asking them for the following : proof that they are licensed to collect debt in the my state, Proof that they have legal right to collect this debt, meaning, they have the proper assignment of debt from the original creditor, a complete payment history, the requirement of which has been established by Spears vs Brennan, 745 N.E.2nd 862 ; 2001 Ind. App. Lexis 509, The agreement that bears the signature of the contract stating I'm the debtor agreeing to pay the creditor, Coppola vs Arrow Financial Services, 302cv577, 2002 WL 32173704 ( D. Conn., XX/XX/XXXX ) - Information relating to the purchase of the debt, Provide me a breakdown of fees including how they calculated what they claim I owe. Portfolio Recovery has yet to send me any of the items mentioned. I do not owe this debt. This debt is deficient of physical verifiable validation, and i believe this debt is a result of IDENTITY THEFT. They are reporting this debt to all three credit bureaus which is hurting my reputation. If Portfolio Recovery does not have this collection account removed from my all three of my credit reports i will file litigation against Portfolio Recovery for violation of the FDCPA, and seek monetary damages, file compliant with the Attorney General of my state, and file compliant with the XXXX. This is the last chance i'm giving Portfolio Recovery before i take action.
Consumer complaint received 2022-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

in accordance with the Fair Credit Reporting act XXXX Account # 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 instructions
Consumer complaint received 2022-04-07
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FCI Lender Services Inc. (NC)

My deceased mom ( XXXX XXXX XXXX XXXX had a loan with XXXX  XXXX XXXX XXXX and there was a co-debtor on the loan, in XXXX, the co-debtor XXXX XXXX signed a quitclaim deed releasing his rights to the property to XXXX XXXX XXXX. At some point thereafter and while the loan was in default, XXXX XXXX XXXX XXXX XXXX XXXX as Owner Trustee for the XXXX XXXX XXXX XXXX was assigned a modified version of the note between XXXX XXXX and XXXX. There was no notice of default sent by or on behalf of XXXX XXXX XXXX XXXX XXXX XXXX, but a summons and complaint was filed and served for foreclosure. Several complaints to several agencies has revealed that according to XXXX XXXX XXXX XXXX XXXX XXXX as Owner Trustee for the XXXX XXXX XXXX XXXX XXXX XXXX as the servicer for the trust and that I needed to contact XXXX  as XXXX does not get involved with the foreclosure process. I then reached out to XXXX  and initially XXXX  informed me that they have not serviced the loan since XXXX, but after I presented the letter from XXXX, they asked for additional time to respond to the Notice of Error. I had also filed complaints against FCI Lender Services , Inc., because FCI 's accounting records appeared in the foreclosure case file. FCI Lender Services , Inc. responded that they are the servicing the loan at the direction of XXXX XXXX XXXX XXXX XXXX XXXX as Owner Trustee for the XXXX XXXX XXXX XXXX XXXX which is an entirely different trust. Despite the fact that XXXX XXXX XXXX XXXX XXXX XXXX as Owner Trustee for the XXXX XXXX XXXX XXXX XXXX XXXX lender, FCI Lender Services , Inc. is unwilling to correct their servicing errors and claim that no errors exist. FCI Lender Services is not contracted to act at the direction of the lender as the lender has provided a written response that XXXX is its servicer. There is clear fraud going on her, but FCI Lender Services , Inc. is remaining steadfast at claiming a default for its client XXXX XXXX XXXX XXXX XXXX XXXX as Owner Trustee for the XXXX XXXX XXXX XXXX XXXX but the loan is not in the trust serviced by FCI and their client is not the plaintiff in the foreclosure.
Consumer complaint received 2020-11-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (NJ)

I received several alerts through XXXX XXXX XXXX a credit monitoring service back in early XX/XX/XXXX. XXXX credit alert notified me and advised me that a new account had been added to my credit reports from IC Systems. The only thing that IC systems listed was their name & address. However, the account information read N/A. If I had not of received an alert from the credit bureau ( s ), I would have never become aware of IC Systems adding a collection account to my credit. One year prior, I had also found out from the credit bureaus that IC systems had been pulling my credit reports and leaving credit pulling inquiries on my credit reports. In XXXX, I reached out to IC Systems certified mail regarding the Illegal and unauthorized credit pulling inquiries. However, the company never responded. In XX/XX/XXXX ; I reached out to IC Systems twice Certified Mail with dispute letters regarding the account that they had added. However, after IC systems signed & received my dispute letters sent certified mail, the company failed to respond. Instead, they intentionally and deliberately updated the same account with the credit bureaus. IC Systems even updated the same account 3 times with XXXX within a one month time span. While their illegal, unethical deceptive practices, continued, I contacted the collection agency certified mail. However, no resolution or attempts to resolve their illegal tactics was ever performed. IC Systems failed to notify me prior to adding their account on my credit reports, and once I found out about their added account from XXXX credit alert, the company then purposely updated and added the disputed account 3 times back to back on my XXXX as a knowingly spiteful method as they continued to fail at responding to my dispute letters. Recently around XX/XX/XXXX ; I received a letter in the mail from IC Systems dated for XX/XX/XXXX. The letter which was sent way after the legal limit of the 5 days of receipt that the FTC and FDCPA outlines, was a balance letter that requested payment with a copy of a bill. After IC Systems has been pulling my credit for a whole year, failed to respond to my dispute regarding more information on their unauthorized credit pulls, the company then waits a whole year to illegally add an account numerous times to my consumer credit reports all while failing to notify me. This is illegal. Their actions are deceptive. They have now finally sent a payment letter due to numerous FTC complaints filed against IC systems for their failure to respond back to multiple dispute letters received by them certified mail, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX mailed XXXX XX/XX/XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX. They have still failed at acknowledging any of my disputes. FTC XXXX # 's XXXX & XXXX.
Consumer complaint received 2021-05-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (IL)

National Credit Adjuster added a collection to my report in the amount of XXXX, which I couldve easily paid, that I have no knowledge of without a notice or consent. This is a malicious act by this company as I have been in process of purchasing property. This company does not operate in a professional manner when collecting debt or even giving proper notice to the individual. This debt was never verified and a form of identity theft due to losing my social and Id card, Ive never held an account with this company for collection. I called and spoke to a representative who could not verify the debt or give me an answer as to where it came from claiming they sent a notice that I never received. I have contacted a local fcra lawyer and will look to take legal action as this company has violated my rights under the fcra.
Consumer complaint received 2018-02-28
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. (IL)

this is for XX/XX/2018 car payment for XXXX XXXX. 

it was for {$1200.00} it says my car payment was 30 days late but I did a payment plan with them to add that payment on my last payment
Consumer complaint received 2020-10-29
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: Experian Information Solutions Inc. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-05-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (VA)

There is a XXXX  XXXX account that I have never owned or received a credit card in my hand that was made in XXXX of 2019 I mistook XXXX XXXX for XXXX  XXXX which I did own and am making payments on. 

I never owned a XXXX  XXXX account but the company said I did but around that time I did not have my social security and had to get a new card so this may have been a form of theft I need this account shut down because I am a XXXX XXXX I am still paying on school.