davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: FIRST HERITAGE CREDIT LLC (AL)

I feel my consumer rights have been violate by First Heritage Credit. I recently received my XXXX report. To my surprise on section 8 i had a small claims judgement. I had no knowledge of. I called the clerk 's offices and asked about this judgement. The lady stated i was served on XXXX XXXX. I told her no one had served me anything. The lady stated they can tape it to the door. I told her no one left anything taped to my door. She looked to see where it was left. But she couldn't find where it was left. Only a note stating i was hostile and uncooperative. She told me the judgement was for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX cents. I told her i never received anything about this judgement. She stated because i didn't show up for court. The courts side with First Heritage Credit. She told me i can write the courts. On XXXX XXXX i received an alert from XXXX XXXX letting me know First Heritage ran my credit. I called CFPB to file a complaint on them. The agent i spoke with told me to call First Heritage. To see why they ran my credit. I called First Heritage and spoke with XXXX. She stated as long as i owe them, they can run my credit anytime. XXXX stated i was served on XXXX XXXX. I told her i was never served and that was a different date from the courts. XXXX stated the could be the wrong date. She placed me on hold. Then the manager XXXX took over the call. He stated the same thing about running my credit. I asked when i supposed to been served. He said XXXX XXXX. XXXX stated the balance was over XXXX XXXX dollars and some dollars. How would you like to pay this. I told him my ex-husband the one whos been paying this. He stated spouses do it all the time. I asked him for a printout of the payment history. The one they gave me i gave it to my divorce attorney. It had on it the husband made payment or made a payment arrangement. He said no get it from your attorney. I called the corporate office at XXXX. I was transferred to the audit compliance department. I spoke with a XXXX told her what happen. She stated the same thing about running the credit. XXXX in the audit compliance department stated my balance was XXXX XXXX dollars but that could be wrong. The account was charge off XXXX XXXX. This company is reporting inconsistent. This account was update on my credit report XX/XX/2022.
Consumer complaint received 2018-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PAID IN FULL, INC. (AZ)

This complaint is in regards to Paid in Full ( PIF Inc. ), and XXXX XXXX XXXX XXXX XXXX . For unknowingly any legally putting a hard hit on my credit report, and inaccurately reporting something that I have absolutely no personal financial obligation for! This was clearly something I was signing as my job description called for, for a company that I was simply working for. The two mentioned above had absolutely no right to obtain my ss # and run my credit for any reason whatsoever. This is now on my personal credit report and being a personal debt, which is absolutely incorrect, and once again, they had no right whatsoever to do so in the first place! This has damage my credit and hindered my ability to obtain new financing. And also for the record, the contractor that these two represent, never finish the work completely and wanted payment in full! Who do that???? Unfortunately, work was never completed and payment was never made and now this is gone to litigation. Both parties have an attorney.
Consumer complaint received 2022-09-07
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (TX)

I purchased this car in XXXX. The amount I owe isnt correct. This car was repossessed in XXXX due to me not being able to make payments. They keep re-aging the dates and the account is open. This has been on my account for 6 years. I have tried to get this disputed several times.
Consumer complaint received 2022-03-03
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: Experian Information Solutions Inc. (CA)

On XX/XX/2022 I received an email from XXXX XXXX XXXX XXXX Inviting me to sign up for free credit bureau membership for four years. The email contained an activation code XXXX. I was to sign up on the web site " www.experianidworks.com/equifaxsettlement.. When I did so the website advised that the activation code was not valid. I then called the phone number XXXX and was told by an agent that the code was invalid and that she would try and get a valid code for me. After many long minutes the agent advised that they would have to phone it to me later. I never received that promised phone call. The next day I phoned the XXXX XXXX XXXX XXXX XXXX at XXXX. The agent again confirmed that my code was invalid and ( apparently ) attempted unsuccessfully to get me a valid code. Again after a long wait on the phone I was told that they would call me later. I never received that call either. It appears that I am getting a run around in hopes that I will give up my quest for a valid code
Consumer complaint received 2015-06-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (TX)

I have a loans that originated through XXXX which XXXX XXXX XXXX later had Greentree Servicing to service. I have requested a XXXX and Greentree just keeps giving me the run around. This form is needed by another entity to assist with my mortgage payments. Greentree is only capable of calling about the money past due not giving me the form which will allow my mortgage to be paid.
Consumer complaint received 2022-01-07
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: BMO Bank, N.A. (CA)

On XX/XX/21, I received email notification from XXXX XXXX about a " hard inquiry '' and new credit card that appeared on my credit report. I signed into my XXXX XXXX account and determined that my credit score had decreased by XXXX points and a credit card was obtained fraudulently. I filed a dispute with XXXX XXXX and contacted the bank, BMO Harris BK at XXXX at XXXX and spoke with XXXX XXXX XXXX informed me that there was one credit card with a limit of {$6500.00} and {$0.00} balance, as well as several deposit accounts listed under my name and last four digits of my social security number. XXXX emailed confirmation of my call along with instructions for further investigative requirements through the XXXX police department and Federal Trade Commission. I filed an online police report ( Tracking number XXXX ) and spoke with an officer in the Fraud Department at ( XXXX ) XXXX and was given a police report number, XXXX. 

I am filing a complaint to contest the fact that BMO Harris Bank allowed the fraudulent deposit accounts and credit card to be opened without proper identification and verification.
Consumer complaint received 2017-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (RI)

Hello, On  XXXX / XXXX / XXXX , I was trying to settle my charged-off student loans with  XXXX  ( formerly  XXXX   XXXX   ).  Because the of the account status,  XXXX  would not speak to me directly and my calls were automatically forwarded to  XXXX   XXXX   XXXX  (   XXXX   ), their third party debt collection agency. On that date, they offered me a {$18000.00} cash settlement to close out the account, which I was unable to pay so they agreed to monthly payments in the amount of {$250.00}. On  XXXX / XXXX / XXXX , after making all my payments on time, every month, with no issue, I had saved enough to settle the rest of the account and called  XXXX . I spoke with  XXXX   XXXX , a manager, who assured me that if I paid the {$14000.00} that my account would have a {$0.00} balance and  XXXX  would update my credit reports. So I paid the {$14000.00} and was provided a reference number of  XXXX . I received the settlement offer and a {$0.00} balance letter in writing showing that my account was settled in full. I let a couple months go by and my reports are still not updated. I submitted disputes to all  XXXX  credit bureaus on  XXXX / XXXX / XXXX  and it 's still showing that my account is charged-off, with an open balance, a past due amount and payment terms after the investigations were completed. This is not right. I settled these accounts so I could improve my creditworthiness and now it 's almost as if I never made the payment. I even had   XXXX   re-report that the accounts were 120 days past due on  XXXX / XXXX / XXXX  when I had already settled the account 45 days earlier. Can you please help? I do n't know what is happening.  XXXX  had to get approval from  XXXX  to settle on the account so I do n't understand why they are not updating all of my reports.     I 'm attaching the settlement offer as well as the {$0.00} balance letter for your review.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (ND)

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 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 2022-10-06
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: EQUIFAX, INC. (MI)

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

Account name : XXXX XXXXXXXX XXXX 
Account XXXX Account name : XXXX Bankruptcy Account XXXX Account name : DEPT OF ED Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX  Account XXXX Account name : XXXX XXXX  Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX has violated my rights XXXX XXXX U.S.C 1681 section 602 A states I have a 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 and any other adverse item of information, other than records of convictions crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-03-01
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Fraudulent charges in the amounts of, {$800.00} approximate total Refer to BofA claim # XXXX Posted to my account EDD prepaid debit card. I immediately notified Bank of America so that they could close the account to prevent further charges and so they could research and refund the funds. I answered all questions the representative asked during the conversation. I was told it would take 10 business days to resolve. As I didnt hear anything after 10 days I called for status. I was told that the research had been completed and it was found that the pin was present for the fraudulent transactions. As such, they could not prove it was fraud and the funds would not be returned to me. I reiterated that I did not make the charges, nor had I been in the city ( XXXX, CA ) where it occurred in years as it is XXXX hours away from my residence. They held firm that I would not be receiving the funds back. 
A pin and card number can be stolen at an ATM using a skimmer. Im sure there are other ways as well. Claim # XXXX. Can you please assist us in having the bank do research at the same level they would if this was not a prepaid card and they had something to lose as well? {$800.00} loss is devastating for me as I am on XXXX and am now struggling to make ends meet because of some fraudster and a bank that wont help me because its government prepaid money and no loss to them.
Consumer complaint received 2019-03-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (WA)

There is a XXXX credit card on my credit report that I have been disputing since 2017. This debt was closed out by XXXX. The debt was purchased, without my knowledge, and I was never notified of this, by Midland Funding. 
Midland Funding never made any prior written notification to me to make payment of this debt, which I dont owe. 
I live in a secure building with a consierge and somehow someone was able to get to my apartment door and leave a legal notice. Then, two days later harassed the front desk staff who had to make him stand outside my building, and continually harassed me with phone calls even though I wasnt even home yet. The company servered back dated legal papers of XXXX that I received XXXX, suing for a little over {$580.00} at 12 % interest rate, on a closed disputed debt without any prior notice to me. They waited to serve these papers, didnt have me sign for them, making it difficult to file any court responses appropriately. The documents have no case number that I have been able to validate, it hasnt been signed by a court Clerk of any kind, and the license for this company to practice is out of Washington State. This is a clear violation of my consumer protection rights.
Consumer complaint received 2019-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (MO)

On XX/XX/2019, XXXX XXXX erroneously charged me and withdrew an additional {$1200.00} from my checking account in excess of my due monthly installment schedule payment of {$220.00}. 

On XX/XX/2019 I received two separate electronic letters from XXXX XXXX, stating that my annual recertification for the federal REPAYE payment plan would be due within 10 days of XX/XX/2019. The federal REPAYE monthly installment schedule currently legally caps my monthly payments at {$220.00}. The letters XXXX sent to me on XX/XX/2019 stated that if I did not submit the completed REPAYE recertification documents within 10 days of XX/XX/2019, then my monthly payments due beginning on XX/XX/2019 would increase to {$1200.00} and {$270.00} for a total monthly payment due of {$1500.00}. 

On XX/XX/2019, XXXX XXXX erroneously changed my monthly payment to {$1500.00} in violation of the REPAYE recertification deadlines. On XX/XX/2019, XXXX XXXX   then erroneously charged me and withdrew {$1500.00} from my checking account. As today is XX/XX/2019 and the REPAYE re-certification deadline of ten days beyond XX/XX/2019 has not passed and it is clearly not yet XX/XX/2019, which was the date XXXX XXXX  stated the monthly payment might be increased, XXXX XXXX  had no legal right to increase my XXXX monthly payment to {$1500.00}. My legal REPAYE monthly installment schedule payment that I owe XXXX XXXX   remains {$220.00}. 

I expect XXXX Servicing to issue me a full refund of {$1200.00} to my checking account to address their billing and direct deposit error.
Consumer complaint received 2020-06-22
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

Received the following credit report issue ; however, I do not have an account with this establishment, so is this something I still need to be concerned about affecting my credit and any other related aspect because of this email? 

XXXX P.S. 
screen shot available upon request XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lending Club Corp (FL)

I am beyond frustration! I made a payment on XX/XX/XXXX which they didn't post until XX/XX/XXXX .. I made 2 payments on XX/XX/XXXX one for {$1000.00} and one for {$1000.00} .... they failed to post one until XX/XX/XXXX and the other wasn't posted until XX/XX/XXXX and for the incorrect amount ( they posted it for {$1000.00} instead of {$1000.00} ) I  have been on the phone with them every other day or so ... promised call backs that never happen ... have yet to receive any written acknowledgement of their errors .. despite numerous letters, calls and emails! This company needs to be shut down!
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. Kindly investigate my claim in accordance with the Fair Credit Reporting Act.I request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-27
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. (NJ)

Equifax does not provide the dispute outcome pdf on their site for all claims. It will randomly show an available pdf but the majority of disputes do not provide any information into the outcome. I even receive emails telling me to review the results online.
Consumer complaint received 2021-05-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: BAM Management US Holdings Inc. (CA)

I deposited XXXX XXXX ( XXXX XXXX ) from XXXX XXXX  to Binance.US. Unfortunately the memo ID was not included when I submitted the withdrawal from XXXX XXXX  XXXX replied to my support ticket and said there is nothing they can do because the withdrawal was already approved. I submitted a support ticket with Binance.US on XX/XX/XXXX and they still have not resolved my issue, and today is XX/XX/XXXX. It's been over three months.
Consumer complaint received 2017-03-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Servatus Corporation (OH)

I have a a unverified account from XXXX. I had previously disputed this account. I have never done business with XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2017-06-15
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)

I sent a complain because there was  XXXX   XXXX  inquiries on  XXXX / XXXX / 2017  within minutes of alerts call   XXXX    only saw  XXXX  inquiry on system.   Finally Transunion remove the  XXXX  extra inquiries from  XXXX  and left the  XXXX  I could not get in the Transunion website to see my report the entire weekend of  XXXX   XXXX  and  XXXX . Message sorry for the difficulties we 're working into correcting Then call their number message wait longer because of social media due to glitches Started to get alerts about my Transunion score changing and changes to my report Able to login and check on  XXXX    XXXX ,2017  And see a   XXXX   hard inquiry reinserted on my file Call  XXXX  because I had not apply to any new products they could not find an new application under my name or socialsecurity.   Call Transunion say their system is down  Went  to Transunion   XXXX   and BBB people complaining about Transunion reinserting inquiries Please remove the re inserted inquiry on my file.