davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-22
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credit Consulting Services, Inc. (AZ)

I Have attached what I feel is more than enough documentation to substantiate my complaint. I have written Credit consulting Services and have not had a fair shake at receiving any validation from day one. We have asked for paperwork from phone call one. They dragged their feet on providing any information and to date, they have provided nothing. Credit Consulting Service made contact by telephone way before the validation period expired. Then soon after the period expired, they decided to mention that they could not provide the requested information due to their limitation to being restricted to collection activity within the state of California and reported this account as a collection to XXXX, XXXX, and XXXX. This has affected me financially in the purchase of the two vehicles loans we signed for in late 2016. The fact is very clear, If we requested the documents that would validate the collection to be sent to us in the first place, and they can not send them due to licensing restrictions to conduct business outside the borders of California, That alone is proof beyond any doubt that this debt was never verified or validated by any standards.My address and contact phone number, which has been the same for 15 plus years was listed with all three bureaus prior to their collection activity. They Knew that from the first phone call they made because I let them know at that very point. In my conversation with their representative, I was informed that even if I paid this under the guise of extortion, they would not remove the collection from any of the XXXX reporting bureaus.
Consumer complaint received 2018-03-17
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. (NY)

Someone got hold of my information and opened up some accounts. XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXXXXXX and now in Delinquent and charged off
Consumer complaint received 2017-04-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc. (FL)

I initially did a dispute through XXXX and XXXX and XXXX to verify this account. It was considered unverifiable and removed from my credit report in XX/XX/XXXX, After sometime the account was readded without notice.
Consumer complaint received 2016-02-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc (TN)

They call EVERY XXXX and 3 times a day! 
Today, XXXX XXXX, 2016 they already called my home at XXXX then at XXXX and again at XXXX. They call over the weekend too. 
As far as I 'm concerned, this is harassment.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

Good day, few of my closed accounts that couldve called off my report still appear there because they last updated them when I close the account. 
Acount 1 was closed 2021 XX/XX/XXXX The 2 collection dates are different from all 3 bureaus
Consumer complaint received 2022-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In previous months, I requested updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your lack of response, or responses which I classify as frivolous, you have dishonoured FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you one more chance to correct your errors and update my records. Please CORRECT the account, as it is already corrected from the other bureaus. You have 30 days to CORRECT this account listed below : XXXX  XXXX XXXX Date Opened XX/XX/16 Balance XXXX XXXX-Late/Open Late Date XXXX
Consumer complaint received 2018-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

I'm trying to improve my credit a company called XXXX XXXX. while trying create an account XXXX XXXX. owing XXXX XXXX XXXX {$4.00} having me under suspected fraud Activity for date XX/XX/2016. I'm not sure what to do
Consumer complaint received 2015-04-08
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

Ocwen has the new payment wrong ( was interest only and principal payoff is starting now ), admits the mistake, but wo n't send a new statement with the correct payment. We 've wasted XXXX hours on the phone with their XXXX call center who keeps passing the issue around in circles. They have a payment based on 5 yrs rather than 15 yrs as per the loan docs. They realize this is wrong but XXXX ca n't seem to fix it.
Consumer complaint received 2022-09-06
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. (IN)

Hello I've been having issues with all three credit bureau 's and the practices that they are using to verify account and allowing someone to still make inquires without contacting me due to me putting a fraud alert of my credit account. I keep sending letters about addresses, as well as collection accounts and names on my consumer report that are not mines. I've called and requested that they remove an address that is not mine XXXX XXXX XXXX XXXX XXXX Indiana XXXX. Also the credit bureau 's are required to report correct information on all three bureau 's and they are not. I have attached letters as well as my credit report with this information.
Consumer complaint received 2017-04-27
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. (TX)

In  XXXX  I was on a  XXXX   XXXX  business credit card. Payments ceased to be made on the account in the summer of  XXXX . The account was charged off and sent to  XXXX   XXXX . The debt was time barred from collection in  XXXX  against me under TX statue of limitations. This does not stop  XXXX    XXXX   from reporting to my Experian credit report that the account is past due, COLLECTIBLE, and assigned to an attorney/collection agency to collect!     This is not the first complaint about this account but there is NEW INFORMATION TO REVIEW!
Consumer complaint received 2017-02-12
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (AZ)

I have a loan with Kia Motors Finance. I purchased a new vehicle and XXXX XXXX XXXX XXXX paid off my Kia balance but there was a {$330.00} over-payment. I contacted Kia and they said that they will not look at refunding the over-payment for a minimum of 20 business days. This is more than double the amount of time allowed by Expedited Funds Availability Act for financial institutions check hold times. My account reflects a XXXX balance despite the fact that Kia Motors Finance refuses to act on the over-payment refund until their unreasonable and unfair waiting period of 20 business days expires, which will take at least 30 days before I receive my funds due to me.
Consumer complaint received 2016-06-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northland Group Inc (GA)

Northland Group Inc. has continued to report unfavourable remarks on my credit profile for a debt that I do not owe. Hence, their negative remarks has continued to continued to impede on my ability to be considered for any credit worthiness and attain any measurable employment.
Consumer complaint received 2015-10-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CT)

The XXXX 2015 statement for my second mortgage with Ocwen Loan Servicing showed a dramatic increase in the amount due for my second mortgage. I called Ocwen on XXXX XXXX to find out what happened. In XXXX or XXXX, 2015 XXXX Ocwen wo n't clarify XXXX, Ocwen submitted a double-payment from my escrow account to the insurance company XXXX XXXX XXXX XXXX. During that XXXX XXXX phone call, Ocwen told me that the additional charge would be removed and I would receive a revised statement within 7 to 10 days. I was also told that, as a courtesy due the inconvenience, the {$14.00} late fee applied to my account would be removed. I still have not received an accurate XXXX statement for the second mortgage. Based upon harassing phone calls from XXXX to XXXX Ocwen is now demanding that we send them over {$1100.00} to compensate for its mistake. Ocwen insists I received a refund from XXXX, which I have n't, and is demanding the refund check. I have been on the phone with Ocwen several times and the company is refusing to send me an updated statement with the additional escrow removed XXXX as was told to me on XXXX XXXX XXXX and Ocwen is refusing to work with XXXX to fix its costly error. My patience with Ocwen has worn thin, and I have had to yell and curse over the phone with every representative that has harassed me. Every call is driving me crazy and I end up hanging up every time. These Ocwen representatives wo n't listen, wo n't comply with the terms of the mortgage, and wo n't solve their own errors.
Consumer complaint received 2017-02-10
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Cottonwood Financial Ltd. (TX)

They call multiple times every day, from different phone numbers. I have blocked over XXXX numbers. There are at least XXXX messages left daily. I can block the call, but I ca n't block the voicemail messages. They are also leaving messages where they hang up after a saying hello numerous times. Please. Make The Cash Store Stop Calling Me Everyday And Leaving Multiple Messages. 

THANKS IN ADVANCE
Consumer complaint received 2016-02-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I 'm a victim of identity theft and some XXXX try opening up lots of accounts in my name 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 2023-03-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One has been reporting my scheduled, on time, auto payments as late to all three credit bureaus since XX/XX/XXXX thus affecting my credit score. I called customer service to inquire about the discrepancies and was transferred to theirs Collections Department. A collections representative advised there was nothing that could be done about this because of the auto payment program which I am enrolled in. Capital One is taking my on time payments and continues to report them as late, based on an auto payment plan they provided to me. My credit report reflects 150+ days late to current date, XX/XX/XXXX, because of Capital One.
Consumer complaint received 2017-04-27
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 (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2015-09-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MN)

I believe that someone has used my information to apply for credit at one or more banks, including the XXXX hard inquiry shown on my report. I did n't apply for this credit. I 've also received numerous " response '' emails and calls to applications and emails that I did n't write, to various insurance and financial service companies.
Consumer complaint received 2022-02-11
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 — Their investigation did not fix an error on your report
Company: AES/PHEAA (SC)

XXXX, XXXX, and XXXX all have me reporting late for 12 months total between XXXX and XXXX for Fedloan servicing. I have attempted on several occasions to have this issue resolved. I have spoken with the creditor and they have confirmed that I have never been late on any of my loan payment accounts and provided me a statement letter with this information and the credit bureaus fail to update the systems with the accurate information. I have several student loan accounts with this company and only one is showing late reporting which is in accurate. I would like to have my report updated accordingly please. Thank you for your assistance.
Consumer complaint received 2016-12-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Early Warning Services, LLC (CA)

I recived the attached letter from Early Warning Systems stating that they investigated my concernes regarding the dergatory mark ( s ) from XXXX XXXX. 

Tthrough the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) since EWS conducted a " Proper Investigation '' which means EWS has on file of accounts listed below in the original complaint. Your failure to positively verify these accounts has hurt my ability to obtain a bank account. Under the FCRA, unverified accounts must be removed and if you are unable to provide the item by providing me a copy of verifiable proof, you must remove the accounts listed below. This your responsabilit just the same as XXXX XXXX since you conducted a " Proper Investigation '' Please show me what you used to determine that the items are indeed valid. 

These do not belong to me and EWS is hurting me by blocking me from opening a bank account and has caused a lot of embarrassment for me in the banking community. I demand these items be removed or proof requested above be provided. 

I hope to resolve this ASAP before any more damages are incured and needles attorney fees are paid out, and tieing up the courts time.
Consumer complaint received 2017-02-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Early Warning Services, LLC (CA)

I attempted to open a XXXX XXXX account on XXXX XXXX 2017 and I was unable to due to misinformation on my credit report. They advised me to resolve the issue by disputing this information that is not mine and I am doing so. I also would like to say I had been a victim of consumer fraud and want to be issued protection from others being able to access my information for their own personal gain. I am in a position in which I can not even open an account because of this fradulent act against me and I need to recieve proper treatment.
Consumer complaint received 2020-10-18
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$59.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX # XXXX opened on XX/XX/2020 with a balance of {$59.00} -This is not my account.
Consumer complaint received 2016-08-16
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY (MA)

We closed on our mortgage with Prime Lending in XXXX of 2014. We knew that our taxes would go up a little bit because we bought a brand new home. We were told it would be about {$200.00} a month, since that can easily be figured out based on value of the home and town tax rates, I did n't think about it too much. Fourteen months after purchasing our home, we called to pay our mortgage to find out we owed {$800.00} more per month. We were told not to worry it would only be like that for 2 months, that we just had to pay the deficit from our taxes being reassessed. Well, two months later it changed again all right, up {$200.00} more. We were then told that the town reassessed our taxes immediately after the sale but that Prime Lending did n't catch it until 13 payments later. For the last 14 months, we have paid a thousand dollars more towards our mortgage than we signed up to do. My husband and I have called countless times and no one can answer our questions. Generally, I know more than they do about how mortgages and taxes work. The last phone call I was told " oh, well maybe in XXXX it will be better. '' Maybe? Today, I looked and they are actually refunding us money for escrow overage but our payment remains the same. I am completely at a loss.
Consumer complaint received 2022-09-06
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$4500.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-03-30
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. (LA)

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. 

Account name : Liability Court US BANKRUPTCY COURT  XXXXXXXX XXXX  Date Filed XX/XX/2020 Reference Number : 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 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.
Consumer complaint received 2024-05-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (MS)

On XX/XX/XXXX Credence Resource Management , LLC mailed me an invoice stating that I owed a debt that they are trying to get that I allegedly owed to XXXX XXXX XXXX XXXX, they proceeded to call me regarding this alleged debt in which I left on record for Credence Resource Management to not call me but send all validation and further communication through written communication. On XX/XX/year> Credence Resource Management sent me a verification of balance. Which did not meet the FCRA requirements of 15 USC 1692G validating debt and they still were attempting to collect. Credence Resource Management also sent deceptive forms ( 15 USC 1692G ) stating that I owed them a debt they never validated and they also deceptively sent documents from another account to prove their deceptive practices. XX/XX/year>, Credence Resource Management sent me another document titled Verification of Balance that still never addressed the requirements set forth by congress. I sent them another notice of dispute requesting the information that was originally requested Credence Resource Management sent me another letter titled ACCOUNT RECALLED They express that the account was recalled but noticing on their documents they have a Reference XXXX it gave me the impression that a new account number was created so now I would like to know what is a reference ID