davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately. 

ENHANCED RECOVERY COMPANY ( XXXX XXXX XXXX XXXX XXXX XXXX**** Opened : XXXX XXXX XXXX Balance {$990.00}
Consumer complaint received 2019-11-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (PA)

I had a bill from XXXX. I receive a letter from EOS CCA to settle this for {$900.00}. Which I paid to them on XXXX. I am now receiving a bill from EOS CCA for the balance of {$380.00}. This is fraudulent, because there was a promised settlement. And I paid the requested amount to have this removed from my credit report.. this is still on my credit report, I disputed it twice with XXXX  to no resolution. I need this removed, and to stop receiving bills. I also sent to the EOS CCA company the copy of the agreed settlement letter and the payment receipt from my bank account. they have not stopped harassing me, and not removed from credit reports as promised.
Consumer complaint received 2017-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing you this letter in regards to open student accounts/loans reporting on my credit report. These specific loans are reporting inaccurate balances. They have not been verified to be belonging to me. They have also, reached the reporting limit statue of 7 years. I am requesting that the following student loan accounts be removed from my credit report immediately. This is negatively affecting my score, debt to income ratio, and the process of buying a home. I will wait 14 days to ensure the removal of the accounts listed below before I proceed further. I hope that this matter is resolved in a timely manner. 
The accounts to be removed are as followed : XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX XXXX / XXXX {$430.00} XX/XX/XXXX ( 3 yrs, 3 mos ) XXXX XXXX XXXX / XXXX {$440.00} XX/XX/XXXX ( 2 yrs, 6 mos ) XXXX XXXX XXXX {$530.00} XX/XX/XXXX ( 2 yrs, 6 mos ) XXXX XXXX XXXX {$1200.00} XX/XX/XXXX ( 2 yrs, 11 mos ) XXXX XXXX XXXX {$1500.00} XX/XX/XXXX ( 3 yrs, 6 mos ) XXXX XXXX XXXX {$1800.00} XX/XX/XXXX ( 6 yrs, 9 mos ) XXXX XXXX XXXX {$2000.00} XX/XX/XXXX ( 4 yrs, 6 mos ) XXXX XXXX XXXX {$2200.00} XX/XX/XXXX ( 2 yrs, 8 mos ) XXXX XXXX XXXX {$2200.00} XX/XX/XXXX ( 3 yrs, 3 mos ) XXXX XXXX XXXX {$3000.00} XX/XX/XXXX ( 6 mos ) XXXX XXXX XXXX {$3100.00} XX/XX/XXXX ( 6 yrs, 6 mos ) XXXX XXXX XXXX {$3500.00} XX/XX/XXXX ( 6 yrs , 9 mos ) XXXX XXXX XXXX {$3500.00} XX/XX/XXXX ( 6 yrs, 2 mos ) XXXX XXXX XXXX {$3600.00} XX/XX/XXXX ( 8 yrs, 2 mos ) XXXX XXXX XXXX {$4300.00} XX/XX/XXXX ( 2 yrs, 11 mos ) XXXX XXXX XXXX {$4500.00} XX/XX/XXXX ( 4 yrs, 3 mos ) XXXX XXXX XXXX {$4500.00} XX/XX/XXXX ( 5 yrs, 3 mos ) XXXX XXXX XXXX {$4600.00} XX/XX/XXXX ( 6 mos ) XXXX XXXXXXXX XXXX {$4700.00} XX/XX/XXXX ( 1 yr, 6 mos ) XXXX XXXX XXXX {$5300.00} XX/XX/XXXX ( 4 yrs, 3 mos ) XXXX XXXX XXXX {$5900.00} XX/XX/XXXX ( 5 yrs, 3 mos ) XXXX XXXX XXXX {$7200.00} XX/XX/XXXX ( 3 mos ) XXXX XXXX XXXX {$8400.00} XX/XX/XXXX ( 6 yrs, 2 mos ) XXXX XXXX XXXX {$9200.00} XX/XX/XXXX ( 8 yrs, 2 mos )
Consumer complaint received 2023-03-28
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: EQUIFAX, INC. (NV)

I'm sending this complaint to inform AGAIN the Equifax credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized inquiry that reporting on my credit report. Since this is a strict violation of FCRA laws I need the inquiry removed from my file as soon as possible. 
XXXX XX/XX/2022.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

Hard inquires from these companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX
Consumer complaint received 2020-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (PA)

PNC will not allow you to connect with nearly any service such as XXXX or XXXX. By not having this accessibility, we are limited in using our accounts as we see fit. I am likely switching banks due to this because it has become more problematic over the years but the CFPB and customers should be aware of this issue since they do not tell you that your bank has limited accessibility at anytime. We've never even received warning about any of this.
Consumer complaint received 2017-09-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: P&L Acquisitions LLC (AZ)

I set up a payment agreement for {$50.00} a month in XXXX XXXX and the very first direct debit from my account was for {$100.00}. I called them and they claimed it was an error and refunded {$50.00} to my account. XXXX XXXX I noticed two separate charges for {$50.00} from the company and called to find out what happened and they claimed error again. I did not have them reverse the charge but rather said I would not like to be debited any more but rather to mail me a bill. I have since received numerous phone calls about making a payment and the company refuses to accept responsibility for fraudulently charging me.
Consumer complaint received 2019-02-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

This company is not licensed in Illinois to collect on a debt. The Illinois collection agency act ( ICAA ) requires that all debt collectors must have a license before being operational. The law also has a clause that regulates how a debt collector contacts a person and how they can communicate with them.
Consumer complaint received 2019-08-09
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. (GA)

I am faithfully paying the account with this company..Incorrect late payments on XX/XX/XXXXand XX/XX/2018, not 30 and 60 days late.. Please reverse the late payments, i have a good relationship with this company XXXX  XXXX
Consumer complaint received 2020-11-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (NV)

2016 car loan through santander consumer usa under investigation for consumer fraud. Charging customers to much hoping they would default on their loans. 
I am part of the lawsuit because I fall under the terms of the fraudulent loans. 
State of Neveda
Consumer complaint received 2019-11-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (GA)

Flagstar Bank in XXXX has become the custodian of my mortgage after they took of the XXXX XXXX XXXX. I applied for a HELOC to use in purchasing a second home and the loan servicer was XXXX XXXX basedin XXXX and XXXX XXXX communicated with me. They first told they could approve me for {$26000.00} and then after the appraisal they ordered returned, they only said they could offer {$11000.00}. The appraisal was not consummate but I was willing to accept the amount to utilize toward the purchase. They did not communicate with me about closing out the {$26000.00} loan and having to do a totally separate loan for {$11000.00} until I looked in and saw no trace of the loan application one day and reached out and asked what happened and then I received a message saying there was " no progress '' on the loan application. I often, throughout the process, would receive mailing from them and e-mail messages that wouldn't align with the additional documentation they necessitated. The e-mails was say they had everything they needed and then the mailing would say they needed copies of this and copies of that, all of which I would provide for supporting documentation. All of this two days ago after being told I was approved for the loan for {$11000.00} I looked into the account to check on the application status and there was no trace of the loan application or anything as if this who 5 month process never existed. They have my information and then my application and all of the communication just vanishes, and that is very perturbing to me. I do not know how they operate, but it is certainly a very clandestine process.
Consumer complaint received 2021-01-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (MA)

I have been using XXXX XXXX online for the last couple of years and never had a problem. Over a month ago I had problem with a transaction and was blocked. I asked what the reason why and they send me out a verification forms..I file it out and send all documents. They said they would take two weeks. We're going on a month now. I keep asking what the problem is I get no response
Consumer complaint received 2019-11-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC (IN)

In XXXX of XXXX I open up a cell phone account over the phone with XXXX which I got 4 phones from when I opened this account I was told once my contract is over I will own the phones free and clear. Thats not what happened after paying my bill on time every month until the contract was over I was under the impression the phones was mines it wasnt until around XX/XX/XXXX when I realized they was saying I owed them for the phones that I paid for over 2 years on time in full. I called XXXX so they can pull up the recording of what I was told that day they said they couldnt unless they the phone Is number which I dont have the phones anymore.
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

I am requesting the removal of all credit freeze and fraud alerts from my credit profile so I can conduct business as usual with my company. This credit freeze is preventing me from accessing my information to do business. I am trying to apply for a business phone line with XXXX XXXX XXXX  they can not access my credit file. My full name XXXX XXXX XXXX SS XXXX DOB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX please see attached documents and ID Please!!
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

Checked the last 6 numbers of my SSN on the Equifax site when news of the security data breach was broadcast on the news. The website gave me a date to go back and enroll in the TrustedID as information had been compromised in the hack. My wife received a different date, but the same message. We then called the phone number indicated as the number to call to initiate a credit freeze. After the automated system directed us to enter some identifying information, including our state, we were told it could not process our request and we could complete the freeze online. I tried to go on to the website to put a security freeze on my credit report and got an error message. I then tried to call the Equifax customer service number and was sent to an automated messaging service that hangs up on me and never lets me talk to a person to initiate a security freeze.
Consumer complaint received 2019-11-07
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. (FL)

Recent credit report ( paid for by me ) rec 'd from XXXX  on XXXX XXXX, shows a drop in my credit score by 57 points in 6 months. Reasons given are : NO NEW REVOLVING CHARGE ACCOUNTS OR RECENT, NEW, CREDIT CARDS I am XXXX years old and a " low income Senior ''.. We are advised to simplify our lives by minimizing our debt and monies owed ; cutting up our credit cards, paying off debt, and SIMPLIFYING our lives as much as possible in order NOT to leave debts, etc. to our children!. ( This advice comes from the XXXX and all other agencies that are supportive of Seniors ). 
Yet, if I do not take on more debt ( re : revolving charge accts., etc ) my credit score will most likely CONTiNUE to drop ... ... ... ... ... 
I have reported this, by letter, to the Elder Abuse agency in Washington ; and wonder why someone in the federal gov't doesn't DO something about this abominable situation!? 
I expect that the other two credit-reporting agencies have the SAME unjust, unfair policy? These agencies, 'peculiar ' only to the UNITED STATES , are a nightmare, for ordinary people, to start with ; ... .... but to allow them to do this ... is unconscionable! 
Thank You, XXXX XXXX
Consumer complaint received 2019-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/XXXX - I was charged interest fees ( {$6.00} ), XX/XX/XXXX - I was charged {$5.00}, and again XX/XX/XXXX I was charged {$4.00}. Back in XXXX or XXXX my bank account that I use to make payments on this account was compromised. Someone had called the bank, with ALL of my information, claiming to be on the account. The bank then contacted me to ask if I added anyone on the account, I said no so they closed this account immediately locking all the funds I had. Then, once I went down to the branch I go a new bank account opened with a new account number. I contacted Capital One letting them know why I was unable to make a payment. When speaking with an employee, I received incorrect information regarding interest charges, I had always paid my balance in full, so when she said I only need to make the minimum payment on my account to avoid any fees, including interest. This is when I stopped making the full payment and made only the minimum payment. Now, I called on XX/XX/XXXX because I wanted my account closed and paid in full. The representative did not give me an option to do this and I was charged a late fee of {$25.00} for XXXX. The employee also sent out another card when I requested that I want this account closed forever.
Consumer complaint received 2019-06-07
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: EQUIFAX, INC. (TX)

What in the world is happening here that my concern was not attended by Equifax!! I am exhausted sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX   XXXX
Consumer complaint received 2019-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX  XXXX XXXX XXXX  Reporters XX/XX/XXXX EXXXX  XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX, Not Elsewhere Classified XX/XX/XXXX XXXX   XXXX Miscellaneous XXXXXXXX XXXX   XX/XX/XXXX XXXX XXXX BANK All Banks XX/XX/XXXX XXXX   XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX   XXXX Bank XX/XX/XXXX TransUnion XXXX CARD - XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ExXXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion LXXXX  - XX/XX/XXXX XXXX  XXXX XXXX  XXXXXXXX XXXX Reporters XX/XX/XXXX XXXX XXXXXXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX  XXXX - XX/XX/XXXX XXXX   XXXX CARD - XX/XX/XXXX XXXX   XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  Finance - XXXX XXXX   XX/XX/XXXX XXXX XXXX CARD - XX/XX/XXXX XXXX
Consumer complaint received 2021-04-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Embassy Loans (FL)

This company is intentionally reporting a much higher balance than owed. I have contacted them via mail and always receive the same letters with the incorrect balances on it. The balance was reduced XX/XX/2020 to {$680.00} after my car was totaled in an accident by XXXX XXXX, an employee at XXXX. I have enclosed copies of the reduced balance to them and equifax and experian but they still continue to report inacurrate info. XXXX continues to contact me by phone mail.and email demanding that I pay the incorrect amount I answered the phone one day and was told by one of the employees " We know that you owe us {$680.00} but we will not update the balance until you pay us '' You can contact whoever you want '' he was rude and yelling on the phone back around XXXX. I forgot to ask what his name was. I am also interested in suing for damages but would like nothing more than this account to be removed from all credit reports because they are in violation of my consumer rights.
Consumer complaint received 2019-06-07
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

EQUIFAX REFUSES TO BLOCK FRAUDULENT ACCOUNT FROM MY CREDIT REPORT, PER FCRA 605B ( 15 U.S.C. & 1681c-2 ) CIVIL CODE STATES THAT ONCE THE FTC REPORT HAS BEEN RECEIVED AFTER 4 BUSINESS DAYS THE FRAUDULENT ACCOUNT NEEDS TO BE BLOCKED FROM CONSUMERS CREDIT REPORT. MY FTC REPOT HAS BEEN SUBMITTED NUMEROUS TIMES TO EQUIFAX CREDIT REPORTING BUREAU. I AM A VICTIM OF AN IDENTITY THEFT.
Consumer complaint received 2019-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through 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 ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX  XXXX****
Consumer complaint received 2019-11-07
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: Credit Plus Inc (FL)

I recently was in the market to buy a car and had my credit pulled for that purpose ONLY. To my surprise I have a " XXXX XXXX '' hard inquiry on my report as if I were buying a home. I do not know of this company nor am I affiliated. I need proof of authorization executed by me to have pulled my credit.
Consumer complaint received 2019-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

What in the world is happening here that my concern was not attended by Transunion!! I am exhausted sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX XXXX
Consumer complaint received 2019-11-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received a call on XXXX from a Bank of America associate, he did not indicate he was calling on a recorded line or provide an ID # or someway to verify he was in fact from the bank. He immediately threatened that failure to answer his questions will lead to immediate closure of my accounts. I assumed it was a scam as he did not properly identify himself and he called from a personal cell phone. My accounts have now been closed by the bank. 

I used to work for the bank and I know for a fact that you must always disclose some appropriate identification when you call a customer because failure to do so is deemed a risk to the bank and customer. How is Bank of America able to get away with treating customers this way? Its just unfair. 

I understand the bank can close an account at anytime, i get that. But my problem with all the scams going on, there was no way to identify he was calling from the bank. I have received calls from the back before and they always identify themselves properly for security reasons. This person did not.
Consumer complaint received 2017-11-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (NC)

I have a mortgage account with PNC bank and established an online account access with them. For some reason my online access has been revoked. When I called them why I cant access my account they told me that I dont have an account with them. I have been making payments to them for more than a year now. Im not sure why they are saying my account doesnt exist while Im making my payments on time. My original account was with XXXX mortgage company but for some reason they transferred it to PNC bank and sent me a letter stating that I should send my payments to PNC Bank which I have been doing for more or less 2 years now. Im really worried if Im scammed by PNC bank in deceving me to making payments to them when there is no account. I dont what will happen to my house, not sure who to trust or whom to pay. Please help.