davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (CO)

I am in the process of purchasing a home. I had my credit pulled prior to closing and was surprised to see a collection from XXXX, which dropped my score significantly. 

I received no phone calls or contact from them from the time they brought the debt ( XX/XX/XXXX ) until XX/XX/XXXX. In XX/XX/XXXX, I received a letter from them via US Mail forwarded from a previous address. I got the letter and called them immediately to resolve the issue. The person I spoke to told me if I payed the debt, nothing would be put on my credit report and I would receive a letter of deletion. We agreed that I would pay the debt in XX/XX/XXXX. I made the payment XX/XX/XXXX and assumed I would get a letter in the mail. 

After the payment was made, I never received the letter. I assumed it was just over sight because I resolved the matter quickly and nothing was reported to the credit bureau. 

I didn't check to see if the debt was mine. I got scared and paid it. Due to this, I did not have not obtained the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. 

I moved several times from the time of service until I received notification in XX/XX/XXXX. I did not receive a bill from the medical facility because I had dual insurance and thought everything was covered. 

XXXX  is not denying the debt was paid or the fact that I contacted them to resolve the issue and I would like this collection removed from my credit due to erroneous collection practices.
Consumer complaint received 2018-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

All of my student loans except for 2 private loans from XXXX XXXX have been put into forbearance because I am currently in school. But before this, in XXXX of XXXX I was place in XXXX XXXX  XXXX status and all my loans were cleared off except for the private loans because they told me that private loans couldn't be discharged. So I set up payment arrangements with them. 

Although I am still XXXX and have been since XXXX, and on permanent XXXX, I have re-enrolled in school. Because of doing this XXXX pulled me out of tXXXX XXXX  XXXX status and placed me in deferment. I have contacted XXXX XXXX twice through certified mail ( XXXX of XXXX and XXXX of XXXX ) and explained all of this to them and asked them if they could put me in deferment as well and they said no because I was in default. I told them I didn't know that I was in default status, and that no one ever contacted me about the loan being in re-payment status, I told them that I assumed all of my loans were discharged, and they said on the phone that private loans can't be discharged. I then told them that I am XXXX and still in school, but I could pay XXXX XXXX  monthly, and I have been doing so for over a year now. 

They accepted that, yet they continue to put late fees on my credit report and mark me as delinquent every month. No one still has written me back to explain anything or answer any of my questions. 
The only reason I found out that they had placed me in default was because I noticed that my credit score kept going down, and continues to go down every month. I looked into why it was happening and discovered that it was because of the 2 private loans. I thought that once I got on a payment plan with this company they would stop marking me as delinquent as they said they would and do right by me, but they didn't and do not. 
XXXX XXXX keeps reporting me as missing payments, and this keeps lowering my credit score every single month, and causing me stress because it has effected my ability to move into a better place for me and my children.
Consumer complaint received 2022-11-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (WA)

I had pmi on my mortgage with pnc bank starting at closing XX/XX/XXXX. 

I entered bankruptcy XXXX  XXXX XX/XX/XXXX and completed the bankruptcy successfully on XX/XX/XXXX with every payment to trustee on time in full per the bankruptcy agreement. I paid the trustee, and the trustee then paid creditors. For whatever reason, the trustee chose to make payments to pnc after pncs due date and now pnc is saying I was late but I was not. I have been on time every month since XXXXXXXX XXXXXXXXover 4 years now!!! 

I have tried and tried to get pmi deletion as i have been timely. The house is worth at least {$550000.00} and owe less than {$240000.00}. 

My bankruptcy lawyer told me the bankruptcy plan replaced the contract with the lender during its active status. Given that, I have been on time since XX/XX/XXXX. I have submitted proof of the increased value of the house. My bankruptcy lawyer tried to resolve this for me and their lawyer told her they would and then failed to do so. At this point, I have been paying pmi of XXXX? a month since XXXXXXXX XXXXover 6 years. No one at pnc will help me. Thank you.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: American Credit Acceptance, LLC (AZ)

I, XXXX, The Living natural person, have been a victim of fraud and deceptive abuse upon trading and commerce business. For the record, I never gave AMERICAN CREDIT ACCEPTANCE authorization to assign themselves as lien holder, POA, etc. However it is to my overspending this company has intentionally falsified this documents in order to control my personal information and assets. In addition, to the Un-authorization of credit reporting AND WITHOUT MY CONSENT PURUSuANT to, breach of contract due to the fraudulent and non disclosures within the intentionally furnished and deceptive statements made from AMERICAN CREDIT ACCEPTANCE, in collusion with the DMV. I am demanding for the account with XXXX, XXXX and other third party companies who have bought my information or obtained unlawfully. I have sent ACA a Notice of Recession and Notice of Cancelation pursuant 12 CFR 226.15 and 15 U.S. Code 1635.. I am requesting for the account to be removed and Deleted, from credit bureaus such as XXXX and XXXX. Also to remedy any paperwork within the DMV and other departments with this falsified in formation. Upon Purchasing my vessel it was clear I intended to not have a lien holder placed, nor assumed power of Attorney on behalf. However, XXXX decided to monetize and fraudulently assign themselves as such. In addition, to a recent claim with XXXX, the company has decided that my recoveries will be given to a false lien holder instead of myself.
Consumer complaint received 2024-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

Their customer abuse continues this time instead of transfers or pending debits or withdrawals. Its pending deposits which doesnt make sense. I understand it might take a day or two for yall highly incompetent company to take money from a transaction regardless, whether if the merchant has received the money and your double charging or not, instead the issue is Im depositing money into an account with a positive balance, and for whatever reason during business hours you guys are failing to update my balance. This is highly upsetting because I know you guys are doing this, not for business reasons if I make a deposit the following night it should be a lease available the next business morning, this is not even the case with these idiots
Consumer complaint received 2024-04-02
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (NJ)

this company " XXXX Credit Collection Service '' that represents XXXX XXXX XXXX who is reporting this item on my credit report after XXXX XXXX XXXX instructed them to stop collection activity and close account on XX/XX/2022 By continuing to report this item on my credit report is a collection activity. Im also requesting them provide proof that they as a third company to report this account on my report without giving me any prior notice as the law states... PLEASE DELETE ACCOUNT from all XXXX credit reports
Consumer complaint received 2018-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

All of my student loans except for 2 private loans from XXXX XXXX have been put into forbearance because I am currently in school. But before this, in XXXX of XXXX I was place in XXXX XXXX  XXXX status and all my loans were cleared off except for the private loans because they told me that private loans couldn't be discharged. So I set up payment arrangements with them. 

Although I am still XXXX and have been since XXXX, and on permanent XXXX, I have re-enrolled in school. Because of doing this XXXX pulled me out of total permanent XXXX status and placed me in deferment. I have contacted XXXX XXXX twice through certified mail ( XXXX of XXXX and XXXX of XXXX ) and explained all of this to them and asked them if they could put me in deferment as well and they said no because I was in default. I told them I didn't know that I was in default status, and that no one ever contacted me about the loan being in re-payment status, I told them that I assumed all of my loans were discharged, and they said on the phone that private loans can't be discharged. I then told them that I am XXXX and still in school, but I could pay XXXX XXXX monthly, and I have been doing so for over a year now. 

They accepted that, yet they continue to put late fees on my credit report and mark me as delinquent every month. No one still has written me back to explain anything or answer any of my questions. 
The only reason I found out that they had placed me in default was because I noticed that my credit score kept going down, and continues to go down every month. I looked into why it was happening and discovered that it was because of the 2 private loans. I thought that once I got on a payment plan with this company they would stop marking me as delinquent as they said they would and do right by me, but they didn't and do not. 
XXXX XXXX keeps reporting me as missing payments, and this keeps lowering my credit score every single month, and causing me stress because it has effected my ability to move into a better place for me and my children.
Consumer complaint received 2021-12-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX at XXXX XXXX XXXX USA , I made a {$130.00} purchase with XXXX  using my Debit card. The product I purchased turned out to be a scammer, and the man claimed he didn't receive the money. He sent me a text telling me to ask my bank for a refund. XXXX refused to refund the money, and after several calls I had to call Capital One. 

On the same day XX/XX/XXXX I called Capital One to cancel and refund the money scammed from me, and they filed a dispute. 

On XX/XX/XXXX I received an email from Capital One asking for evidence of the scam and of the person telling me to ask my bank for a refund. The evidence was emailed, and documentation is included in the documents On XX/XX/XXXX at XXXX XXXX XXXX, I received an email claiming my dispute was denied on the basis of being a " valid transaction ''.
Consumer complaint received 2020-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX has placed a delinquent status on my credit reports. This information is inaccurate. It was placed on XX/XX/2012. This is affecting my ability to obtain credit and hurting my credit scores tremendously.
Consumer complaint received 2018-02-14
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. (FL)

I called XXXX XXXX and was informed they did not know why a recent credit update was not sent to the credit bureau. I was informed to contact the credit bureau. The mortgage shows no more than two months past due and a past due amount. Incorrect.
Consumer complaint received 2022-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, I went out for lunch with my colleague at XXXX pm sharp from our office located at XXXX XXXX XXXX NY XXXX to the restaurant XXXX XXXX allocated at XXXX XXXX XXXX with about XXXX minutes walk. After we arrived at this restaurant in XXXX minutes, I discovered my Chase Bank - XXXX unlimited credit card was lost. I walked back for two blocks at the street trying to find my card but I could not find it and realized someone might take it. I called the bank immediately to report my card was lost. Unfortunately, the customer service line has been busy until around XXXX pm. The Representativeness accepts my call. She checked my credit card record and told me that a transaction at {$940.00} was charged from the store " XXXX XXXX XXXX XXXX XXXX '' ( I knew this name later from my account record ). I was told by Chase Bank that they will give me back credit for this unauthorized transaction. I saw the transaction has been taken out from XXXX, XXXX statement as promised on XX/XX/XXXX. However, this charge was added back to my credit card account on XX/XX/XXXX. I called the Credit Card Fraud department on Chase Bank on XXXX XXXX, he told me that I should call back to Credit Card Fraud Recovery team on Monday, XXXX since that recharge bill is this Recovery Team 's matter. I called representativeness on XX/XX/XXXX stated that I disagreed with this purchase since I did not authorize this transaction and I did not sign it for purchasing. However, this bill of {$940.00} is still on my account, and the bank requests for payment.
Consumer complaint received 2021-12-01
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: EQUIFAX, INC. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-02-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (PA)

I recently checked my credit and noticed my credit card XXXX/ XXXX XXXX XXXX XXXX XXXX # XXXX reporting me 30 days late. I do not agree with that. I never received any statements and thought i had autopay set up. I already paid both credit cards completely off.. I am requesting they remove the alleged late pays as they are extremely hurting my used to be Perfect credit scores. It was over 100 point decrease
Consumer complaint received 2018-02-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Bureau of the South, Inc. (CO)

I checked my credit score back in XX/XX/XXXX and it turns out that I owe {$300.00} to an utility bill. I contacted the company and was told to email a dispute, which I did. I called back a month later, XX/XX/XXXX ( today ) and just wanted an update on my dispute. XXXX, the general manager answered the phone and the mood changed once I told him my maiden name ( XXXX ). 
I just wanted an update and relayed that it was code in as a dispute. I then asked if it doesnt do anything if I dispute an account and he answered with a sarcastic tone, its code in as a dispute but it will still stay in your credit score until you pay it off. Mind you, Im not familiar with how any of this works, a little more knowledge would have been appreciated. 
I added, well wouldnt it seem unfair to you that you call the utility company and tell them youre moving out of state and you pay a fee to close the account but nothing is mentioned about owing anything? He proceeded with a sarcastic tone, it seems fair to me because its for services Id use. ( Which I agree but my main is that I wasnt NOTIFYING I owed the money. ) Then I explained to him that I never received a notice and that I changed my address last month with them. Again, with a non-friendly tone of voice : We dont have a crystal ball to find out where you are, we send it to the best location possible. The utility company sent a letter once and we sent two notices to a XXXX XXXX XXXX Ive never lived in an address like that, and even when you pull my credit report ALL of my addresses come up, but not one XXXX XXXX is ever there. 
Is there anything else I can help you with? He said with a rude tone. 
Do you settle account? 
He sighed and hung up on me. 

I called back and I got a lady on the phone, I explained what happened on the previous call and she said I was speaking to XXXX, the GM, that theres no one higher I can speak to but him. 
I said, so the general manager is the one hanging up on people? She proceeded to transfer me to his voicemail because he wasnt available. 


Collection companies really do make it hard when all youre trying to do is mend your credit score. Id love to pay but I still see that its a bit unfair that I was never notified. If you check my score, thats the only account I owe and its in collections because I was never NOTIFIED. 

I wish I could pay the money to another company, not them. A company that isnt based in the south and whose attitude wont change after you provide your maiden last name - XXXX descent. Sounds sad, but true. 

Also to note, the utility company had all of my personal info, name, dob, Ssn, email, phone number. How come they never attempted a call? Neither did the collection company - not one call.
Consumer complaint received 2022-08-17
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)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2019-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2018-02-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (NV)

Please refer to CFPB complaint number XXXX & XXXX The issue has been corrected to some extent. Now the issue is that both Escrow History and Payment history are missing the payment activity date of XX/XX/2018 only. 

In the " year to date selection '' for both payments and escrow history the date of XX/XX/2018 is completely missing. 

In the " last 6 months '' & " date range '' options the date of XX/XX/2018 is not missing. 

Please see attachment for more details. Thank you Note : I have been in contact with a CitiMortgage rep by the name of XXXX XXXX @ phone number XXXX
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (NV)

I requested a consumer report from Early Warning as I learned they have my private information and built a file with this information without my consent or knowledge. The report was prepared on XX/XX/2024. I opened the report on XX/XX/2024 to find that they had a history of every banking transaction I have preformed with every bank I have an account with. I did not verify the transactions for discrepancies as I was in shock and shaking that my private information was being collected against my knowledge and consent. They requested my social security number, address, date of birth, and government issued identification so they could match it with the information in their database. They have my bank account numbers and I did not authorize or contract with Early Warning. I called on XX/XX/2024 XXXX to opt out or remove the information they retained in their records and they outright refused to stop reporting, remove my private information, and allow me to opt-out from their services. I have never contracted with them and they are holding my private information against my wishes and without my consent. The representative on the phone was adamant that she could not and would not opt me out or delete my account.
Consumer complaint received 2021-12-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CT)

CCS claims I owe an amount of {$1000.00} to XXXX XXXX XXXX XXXX, letter received today, XXXX, states the company placed the account in their office with cancel date of XX/XX/2019 for collection. This appears fraudulent or case of mistaken identity, I have lived at this address for a number of years, never had insurance with XXXX XXXX.