davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-11
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: CCS Financial Services, Inc. (NC)

There were two accounts opened XX/XX/13. First account for {$1000.00} and the second one for {$1500.00}. Someone fraudulently opened both accounts. XXXX deleted the account for {$1000.00} but not the other, if both accounts were opened on the same day, how would they delete one and not the other ... ... .I would this removed from all three credit bureaus.
Consumer complaint received 2016-03-21
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (NY)

on today 's date on XXXX/XXXX/XXXX I contacted ARS a collection agency in the state of florida located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX ph # ( XXXX ) XXXX to verify some information that is reported on my credit report. ARS advised me that I have XXXX accounts placed with them by XXXX XXXX XXXX I requested all dates and amounts they claim was reported and I was given XXXX/XXXX/XXXX {$510.00}, XXXX/XXXX/XXXX {$320.00}, XXXX/XXXX/XXXX {$550.00}, XXXX/XXXX/XXXX {$550.00}, XXXX/XXXX/XXXX {$420.00}, XXXX/XXXX/XXXX {$340.00}, XXXX/XXXX/XXXX {$340.00}, XXXX/XXXX/XXXX {$510.00}, XXXX/XXXX/XXXX {$240.00}, & XXXX/XXXX/XXXX {$450.00} after questioning ARS as to why they have double accounts on my credit for XXXX/XXXX/XXXX for the same amount as well as other accounts that are just days apart and they did n't seem to have an answer I contacted the original creditor which again is XXXX XXXX XXXX. and I was told they only reported XXXX accounts to ARS and gave them the dates of XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, & XXXX/XXXX/XXXX I was then told ARS should not have any other accounts against me which means ARS has FALSELY reported accounts against me to the credit bureaus which has damaged my credit and there is a total of {$2200.00} in fake accounts now on my credit! I researched ARS and they have done this to other consumers as well they have reports against them online and need to be stopped! I want them held accountable for this, I want the accounts they falsely reported removed and I am also seeking money damages for hurting my credit.
Consumer complaint received 2021-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (DC)

Despite having my updated address ( I completed this online in 2020 ), Chase sent the attached notice to an address they knew or reasonably should have known where I would not receive it, particularly by the limited time to respond. So, over {$400.00} was sent to XXXX, which I now have to spend weeks, unpaid for my time, trying to track down and complete various forms to get money back. They also could have just credited my account. They did not. Staff confirmed they have two databases that don't talk to one another, so they did not look for my correct address in sending out the notice. I'm sure they would send overdue statements to the correct address, so why not a notice informing me that I was owed over {$400.00} from Chase?!! Their notice mailed in XXXX went all the way to the XXXX  address in XXXX and then ended up in XXXX  XX/XX/XXXX.
Consumer complaint received 2021-05-31
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. (PA)

This Account for XXXXl XXXX XXXX and several other account are wrong sent a response two months ago and have to get a response. the card has inaccurate information reporting across 2 different bureaus which is a violation of FDCPA. I sent a dispute 2 months ago and received no response this is hurting my ability to obtain credit.
Consumer complaint received 2022-04-29
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Marvel & Maloney, P.C. (NJ)

The Law Office of Marvel and Maloney has outright refused to give me information about the debt they say I owe. I believe this to be balance billing with has been outlawed in NJ in The Consolidated Appropriations Act of 2021 was enacted on XX/XX/XXXX.
Consumer complaint received 2018-02-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation (TX)

This company is incorrectly reporting to the three credit agencies I failed to pay my note in XX/XX/XXXX. This is incorrect, and I've written to them three ( 3 ) times, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting them to resolve this issue. Their response was my complaint was frivolous. 

I had an account with them in since XX/XX/XXXX, in XX/XX/XXXX due to three XXXX and aftermath of that health issue including loss of income, I had to file Chapter XXXX bankruptcy in Federal Court of the XXXX District of Texas. As you know the bankruptcy laws changed thus all creditors were to receive and did receive what the Federal court and trustee equated to full repayment of account. This company was included in the bankruptcy. This company, as all of the creditors, received court documents of this filing with the scheduled repayment of the account. The federal trustee paid this account in full between the filing in XX/XX/XXXX and discharge of bankruptcy for completion in XX/XX/XXXX. They are reporting wrong information and when I request they resolve this issue, after recapping my situation, they refuse saying my complaint to them is " frivolous ''. They have no standing in reporting anything negative to three credit agencies, they were paid within the orders of a federal judge and they accepted the terms of the judge 's orders while collecting the funds sent to them by the federal trustee. Now they've reported a negative comment to the three credit reporting agencies, right after I was discharged, that will remain on my credit report for 7 years, yet they agreed to the court order and received the funds. This account was repaid in full and on time per court orders. This needs to be resolved by them removing the negative comment.
Consumer complaint received 2023-04-06
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NH)

I have sent money to the same recipient every month for almost 5 years through XXXX via Wells Fargo. The recipient receives it at XXXX XXXX XXXX XXXX. I did the same on XX/XX/2022. She did not receive it. I called Wells Fargo, they said it was safe to use XXXX and they would look into the missing money. I did it again, it didnt go through again. I called WF again. They said they need 10 days. After 10 says they said the moneys gone not thier problem, and confirm it didnt go to XXXX, but they wont say where it went. 2 X {$810.00} total loss {$1600.00}. WF gets all the benefits of XXXX, non of the liability, and they provide no info or proof.
Consumer complaint received 2023-01-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One has restricted my checking account because of an overdraft or fraud committed by a fraudster in the past. I would like this account to be restored, waive the fee on the account XXXX. I reported my identity theft to the FTC, they stated to contact CFPB and have CFPB tell Capital One to restore my checking account with the overdrafted amount waived, as it was an identity fraudster 's actions and not myself. I have tried to call Capital One but to no avail as they just ignore me and hang up. To repeat, the transactions done on the XXXX checking account were performed by a fraudster who stole my ssn and phone number, which is all secure now but I would like that account restored please.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

My birthday is not "XX/XX/XXXX'' My birthday is XX/XX/1996 and the all of the addresses on my report are incorrect. My current address is XXXXXX/XX/XXXX XXXX XXXX.
Consumer complaint received 2021-02-02
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: Army and Air Force Exchange Service (MO)

The Army Air Force Exchange Service ( AAFES ) refuses to stop reporting a derogatory item against my personal credit report despite presentation of documentation that proves the existence of mitigating circumstances tied to active duty military service. After I was ordered to active duty from the reserve component, an automatic allotment that I had setup to make automatic payments against my open XXXX XXXX XXXX ( credit card offered and managed by AAFES ) did not immediately carry over. I was ordered to attend an intense military training pipeline that spanned approximately 20 months and included multiple short-notice relocations during that timeframe ( see attached sets of orders ). Additionally, the Creditor is in violation of the Fair Credit Reporting Act because I was never provided prior notification of pending material changes to my credit report. It was only after reaching my final base that I learned something was wrong. One of my paychecks was approximately XXXX smaller than normal. Upon reconciliation of the reserve and active pay systems, the XXXX and XXXX XXXX XXXX ( XXXX ) automatically sent a single payment to close the remaining outstanding balance still open against the account held by the named Creditor ( reference the attached Leave and Earnings Statement ). In effect, by the time I realized something was wrong, the Creditor had already sent the account into collections. The Creditor claims to have sent notification ; however, the last address they had on file was my reserve unit HQ building -- even though this makes no sense as the XXXX XXXX is a personal credit card requiring a residential address during the application/sign up process ( which I provided ). Personnel at my reserve unit were not able to verify receipt of any personal notifications addressed to me from AAFES during my absence. 

I have attempted to work directly with the Creditor and all three Credit Reporting Agencies XXXX see attached email correspondence and dispute letters XXXX. I have even retained legal representation ( see attached legal notices from XXXX XXXX XXXX ). The Creditor states that the decision rests with the CRAs. The CRAs state that the decision rests with the Creditor. All involved parties refuse to coordinate and simply shift the responsibility. I have already filed a complaint against the CRAs, but was unable to also list AAFES. This complaint is specifically intended for the named Creditor.
Consumer complaint received 2022-04-29
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: Fidelity National Information Services, Inc. (FNIS) (CA)

Chex Systems is reporting a fraudulent account as charged off on my report. 

This was reported to the police in 2018. 

See attached police report.
Consumer complaint received 2021-06-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

After 11 years with XXXX, they transferred my loan to Carrington Mortgage Services on XX/XX/XXXX. XXXX services my loan from XXXX. In those 11 years, I was late only 2 times in XXXX. I received a letter from XXXX dated XX/XX/XXXX informing me that they were canceling the MPI requirement on my loan and beginning XX/XX/XXXX my monthly mortgage payment would {$1000.00}. They also performed the last escrow analysis on XX/XX/XXXX, right before the transfer. In that analysis ; my monthly payment went from {$1000.00} to {$1000.00} - a {$53.00} per month savings for me. Lastly, during those 11 years, XXXX performed an escrow on my loan ONE time per year. 

Now that Carrington is servicing my loan, I am so afraid of losing my home. They performed 3 " Annual '' escrow analyses XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) ; my payment went from {$1000.00} to {$1100.00} in one year - {$100.00} more! 
XX/XX/XXXX - it went from {$1000.00} to {$1100.00} XX/XX/XXXX - it went from {$1100.00} to {$1100.00} XX/XX/XXXX - it went from {$1100.00} to {$1100.00} This is more than I was paying prior to the MPI being removed. In addition, Carrington is NOT showing the XX/XX/XXXX Escrow Analysis in my document history. And on XX/XX/XXXX I sent them an email asking why they performed so many escrow analyses when they had only been the servicer of my loan for 1 year ; they DID NOT respond. 

I bought my home in XXXX. Initially, I had an adjustable-rate for a couple of years, but when XXXX XXXX became the servicer in XXXX I changed to a 30-year fixed-rate, my home would be paid off in XXXX. Carrington has my maturity date listed as XXXX/XXXX/XXXX - 8 additional years. 

Currently, I am in XXXX forbearance, but want to refinance my home when it ends. Carrington is the 4th servicer ( XXXX XXXX Mortgage was the first ) and my loan payment has NEVER adjusted 3 times in one year. At this rate, I am afaid that I will not be able to afford my home ; I do NOT want to lose my home.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PNC Bank N.A. (NC)

On XX/XX/2019 my PNC credit card was given to the taxi driver to pay for ride. As I got out of the taxi I realized the card was not returned. I immediately contacted the bank to report it stolen as I saw a charge for XXXX rather than the XXXX which would have covered the cost of the taxi. I have contacted PNC several times and been transferred around from one department to the next. The I was told they could not do anything about this dispute and would not explain what steps were taken to attempt to resolve this matter. This clearly is fraud. The bank is refusing to help as their claim is my husband provided the card. The receipt was signed fraudulently by the vendor.
Consumer complaint received 2018-02-11
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: FORD MOTOR CREDIT CO. (TX)

I made a payment of the incorrect amount to Ford motor credit, they did not notify me until after 30days and then proceeded to put a 30 day late mark on my credit reports. I have contacted them and they refuse to work with me. They are the worst company I have ever done business with!
Consumer complaint received 2022-04-29
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I found several unauthorized inquiries on my credit report that Experian refuses to remove from my file. Experian can't verify that the information is accurate or provide proof that I authorized these inquiries. 

According to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2020-10-19
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. (MA)

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Consumer complaint received 2022-01-12
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. (NC)

I called the credit card company XXXX XXXX  on XX/XX/22. Was informed that collection agency XXXX XXXX and the internal collection has my account and I was transferred to them. The representative from XXXX XXXX told me that they are not servicing accounts in NC due to state restrictions. If no one is servicing my account and I have no way to reach out to anyone for information then she not be reporting the account on my credit report. All I ask is that someone talk to me so I can come up with a payment plan or settlement.
Consumer complaint received 2021-06-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Richland Bureau of Credits Medical Service Bureau Inc. (OH)

I received notice in the mail to my new address from a company named RBC on XXXX XXXX, XXXX saying my husband and I owed our previous landlord {$4500.00}. We sent a letter by mail on XXXX XXXX, XXXX by certified mail requesting they needed to verify this debt. They sent a letter back with copies of our old lease dated from XXXX to XXXX. and an itemized list of what the money was supposedly spent towards with old landlord 's information on the bottom, no other information. We just received another letter stated we needed to start monthly payments for this debt but we have not lived there in over a year. We didn't owe anything and he took our last month 's rent to the eviction court. We didn't even know we were evicted. We just saw the eviction on our record after receiving this letter. We are unsure what is going on or how to fix this man from trying to tarnish our credit and records with false information. We left because he told us he didn't want our rent anymore we received a three-day notice and moved.
Consumer complaint received 2021-02-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch (FL)

I had an unpaid balance of XXXX with XXXX XXXX for last electric bill owed at previous address XXXX XXXX XXXX XXXX XXXX, fl XXXX. I sold this property and relocated to another address, If notice was mailed, I never received notice of unpaid balance at new address in XXXX, fl. I was informed of balance from debt collection agency XXXX  XXXX XXXX at which I was given 10days to pay in full. I immediately paid off the XXXX balance once notified of this, however, Its now showing on my credit report as delinquent!! It has been paid off in full!! a