davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (MA)

DUPLICATE XXXX ACCOUNT {$890.00}??? 

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2023-01-19
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: WELLS FARGO & COMPANY (CA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2022-04-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION (CA)

My daughter has a student loan through XXXX XXXX for two years now and XX/XX/22 is the third time the borrower has been late in making payments that are due on the XXXX of every month. This is also the third time that they called the co-signer at work in regard to the late payment without making a single call to the borrower first. 

Each time they have called me multiple times claiming " there is a problem with my account '' in which I am the co-signer, not the borrower. On XX/XX/22 XXXX ( representative number XXXX ) stated that the account is now delinquent and that's why the calls are being made. When I asked how late the payment was she said " one day '' which isn't delinquent, it's late. 

These are obviously harassment tactics used to embarrass the borrower into making their payments on time as they haven't called the borrower once, but on three separate occasions called the co-signer multiple times at work.
Consumer complaint received 2024-03-19
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HYUNDAI CAPITAL AMERICA (PA)

On XX/XX/XXXX Hyundai Motor Finance hired XXXX XXXX to repossess my XXXX XXXX XXXX due to past due payment of XXXX. 

XXXX XXXX then hired XXXX XXXX to recover the vehicle. 

On XX/XX/XXXX, I called the reinstate my department and paid the past due amount of {$920.00} plus {$420.00} totaling {$1300.00} to reinstate my services for said vehicle. 

I picked up my vehicle on XX/XX/XXXX and paid an additional {$200.00} for storage fees at XXXX XXXX. 

On XX/XX/XXXX, I made my regular monthly payment to Hyundai Motor Finance in the amount of {$480.00}, which now bought my account to XXXX balance. 

On XX/XX/XXXX, I logged into my XXXX Account and notice the amount due was {$630.00}, I spoke to XXXX from XXXX  Department who informed me the additional {$150.00} was due to XXXX XXXX charging additional fees for a flatbed. I immediately informed them this was false information because they used the standard tow truck. I informed them I have a video from my security system. 

I was told i need to Pay it until it is resolved as now my account has been placed in collections. 

I called XXXX on XX/XX/XXXX and filed a claim along with both videos of the said company committing a breach of peace by ringing my doorbell and demanding my vehicle keys. I was told that if I didnt give them the key, they would have to cut a key and I would be charged an additional {$120.00}. I have them the key and they used a standard tow truck. 

I called back on XX/XX/XXXX and requested a supervisor and spoke with XXXX and I asked to have this issue resolved. She placed me on hold and the call was disconnected. 

On XX/XX/XXXX I personally called XXXX XXXX and spoke with XXXX who informed me that she received a Disput from ALS ON XXXX. She stated she sent in the charges not for a flatbed and she claims she told them there was no flatbed used. 

This is a violation, according to 15 US 1692 using false deceptive practices. 

XXXX is also in violation as they have me collections for false document ion and not investigating. Each day this is in collection is a fine.
Consumer complaint received 2021-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (FL)

CITI BANK CBNA, you recently received my Notice of Rebuttal on XX/XX/2021. 
This is in response to your deceptive attempts to collect alleged debts not owed to you. 
As stated in my notice you were previously contacted on XX/XX/XXXX when I demanded an opt out of consumer credit reporting as is my right pursuant to 15 USC 6802 & 6803. You have defaulted on demand and have proven that you are willfully noncompliant with Federal Law protecting consumers, these matters are being well documented and all defaulted notices will become XXXX XXXX  evidence if further legal action is deemed necessary. I do NOT owe you ANY alleged debts, and I have not borrowed any capital from you which means I do NOT owe you any alleged debts. Further more your claims are unsupported by Affidavits, or any documentary evidence of indebtedness as required pursuant to 15 USC 1666 making all of your claims hearsay. This further supports the facts as I have documented them, expressly the fact that I do NOT owe you any alleged debts as you claim. BE ADVISED, CITI BANK CBNA, you have 15 days to comply with my demands listed in the correspondence you received and the correspondence attached to this complaint as you are already in default of the previous notice. There is more than enough evidence to prove your attempts to willful mislead and deceive me through means of material misrepresentation of vital facts that have been purposely omitted by you the financial institution involved in this consumer credit sale/transaction. BE ADVISED, CITI BANK CBNA, you have committed several violations of Federal Law which have been well documented and will be used as documentary evidence and XXXX XXXX should I be required to pursue legal action in these matters.
Consumer complaint received 2019-11-17
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Merchant took exceptionally long in processing a return. Account has a XXXX  balance, this should be immediately, updated with the credit reporting agencies. CAP ONE/NEIMAN MARCUS account XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-01-21
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. (CA)

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX/XXXX  'S ( XXXX ) ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM EQUIFAX, XXXX OR XXXX. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.
Consumer complaint received 2017-12-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Debt Mediation, Inc. (FL)

XXXX/XXXX/XXXX {$3300.00} /was going to settle for {$1500.00} installments via money order. 

On date shown above, i called Professional Debt Mediation based in XXXX, Florida to try to make a settlement to take care of the balance and it was a XXXX XXXX  employee got fiesty with me because i told him instead of me paying via Debit/Credit Card or my bank account, that I was going to send a money order instead due to past hiccups on my bank.The gentleman started to be irate with me and saying i cant pay with a Money Order but theres a Law stating they cant regulate how I can pay.Then he proceeded to state that if I dont pay with other forms than it will be just sitting on my credit.So right before i got off the phone I asked him if call was recorded and he said it was so in the future theres evidence of the phone call.They did this to me back in XXXX but i wasnt aware of my rights then.They Also called my job in the past when i asked them multiple times not to and they kept doing it until they finally stopped
Consumer complaint received 2021-05-05
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. (CA)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX Account Number : XXXX Balance : {$38.00} Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX  Account Number : XXXX Balance : {$0.00} Please remove it from my credit report. 

XXXX XXXX XXXX XXXX  Account Number : XXXX Balance : {$0.00} Please remove it from my credit report. 

XXXX. XXXX XXXX Account Number : XXXX Balance : {$960.00} Please remove it from my credit report
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (CA)

I contacted Barclays and notified them I no longer wanted this account. Apparently, the account wasn't actually closed and the annual fee was billed in error. I was contacted by Barclay 's collection department stating I was past due. Fortunately, the phone rep corrected the issue by refunding the fees and closing the account but I now see they have reported me 30 days past due which dropped my credit scores.
Consumer complaint received 2022-11-17
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)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and Equifax credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please investigate the unverifiable item/account/information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/2015 Balance : {$0.00}
Consumer complaint received 2021-06-26
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. (NY)

I sent a request for method of verification after incorrect information came back verified. I requested an answer within the 15 days as provided me by FCRA 611 ( a ) ( 7 ) to get a description of methods used to investigate my previously mentioned disputes, particularly a bankruptcy appearing on my report that I have verified with the court was not filed by me and was never verified by an outside CRA. Additionally, there were 2 credit collections that were " pay for deletion '' and still came back verified through XXXX. I would like these items removed from my credit files, as I am trying to refinance my mortgage and they are providing and incorrect negative appearance on my rep
orts.
Consumer complaint received 2017-12-20
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. (FL)

XXXX XXXX I Last reported : XXXX XXXX, XXXX + {$860.00} Needs Attention XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + {$710.00} Needs Attention XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + {$550.00} Needs Attention XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + {$530.00} Needs Attention XXXX XXXX Last reported : XXXX XXXX, XXXX + {$460.00} Needs Attention XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + {$350.00} Needs Attention XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + {$310.00} Needs Attention XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + {$300.00} Needs Attention XXXX XXXX I Last reported : XXXX XXXX, XXXX + {$68.00} Needs Attention XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + {$38.00} Needs Attention
Consumer complaint received 2021-07-14
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. (MD)

I have submitted various complaints and written many letters about a bankruptcy being reported on my credit report. It is listed that the information is provided by the XXXX bankruptcy court. I have a letter stating the is not true from the XXXX bankruptcy court. Then I was informed that the information was provided by XXXX was is illegal for a third party to dirt up something then sell it without my written permission. But XXXX did not provide the information because I opted out of their system. I don't give anyone permission to provide my information. FCRA laws state that my permission is needed in order to put things on my credit report and if permission is not granted and I dispute, it should be deleted.
Consumer complaint received 2022-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

The mortgagee, Mr. Cooper, filed fraudulent 3rd party claims to my property insurer, which resulted in my insurance company cancelling my policy. They also reported to my insurance company that my property is vacant- which is veritably untrue. 


Mr. Cooper XXXX XXXX  XXXX XXXX, Ohio XXXX
Consumer complaint received 2022-01-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of ID theft. Beside these items. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2024-03-18
Product: Credit 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: AMERICAN EXPRESS COMPANY (MA)

I made a purchase at XXXX for {$340.00} On XX/XX/2023 and the item was returned on XXXX XXXX, the statement Is not accurate! And also the company billed me and additional {$200.00} dollars! I think its XXXX! I made multiple payments and shouldnt have had a balance! I over paid
Consumer complaint received 2022-04-27
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. (GA)

I believe the reporting credit bureaus are in violation XXXX XXXX And Trans Union stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 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 15 U.S.C 1681 b
Consumer complaint received 2017-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I am having trouble with a check that Bank of America deposited from my checking account, though the check was never deposited or even signed. 

On XXXX XXXX, XXXX Bank of America issued a check for {$950.00} through automatic bill pay ( rent payment to my landlord ) I have paid rent through the automatic bill pay for over a year. On XXXX XXXX, XXXX the check was shown through my bank as delivered and cashed on that day. 

On XXXX XXXX, I was informed by the recipient that they had not received the check. On XXXX XXXX, I called the bank and started an investigation. On XXXX XXXX, the recipient found the missing check ( lost in their paperwork ) which was unsigned and they affirmed that they did not deposit it. On XXXX XXXX, the recipient returned the unsigned check to me and I called Bank of America to updated them on the situation. They said that they will need to investigate more. 

On XXXX XXXX, I called Bank of America for an update on the investigation. They told the have no new information and are just starting the investigation. They told me that it will take 60-90 business days ( until XXXX ) to clear the issue on their end. 

While I appreciate that they are careful with the investigation, I feel that clearly the bank made an error and should return the funds immediately. Especially considering that I am in possession of the unsigned check. The fact that it will take 3 months to resolve is unacceptable.
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

on XX/XX/24 someone walked into a citizens bank in XXXX CT, using a fake XXXX license with my info they tried to withdraw {$5500.00} from my business checking account. 
On XX/XX/24 somebody withdrew {$9900.00} from that same account, XXXX I think the fraud started with a target on my inquiry into XXXX, this past winter.