davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (NC)

In XX/XX/XXXX XXXX insurance charged us {$180.00}, while my husband and I signed an agreement on XX/XX/XXXX for $ XXXX/month. We did not receive a prior notification or renewed agreement from XXXX that flagged the higher amount. XXXX withdrew additional {$99.00} through automatic payment without our authorization. 
When we disputed the higher charge and legitimacy of charging insuree higher payment without prior authorization, XXXX could not provide a clear explanation and justification of their actions by law. 
Moreover, we were provided misleading information about laws, when we were trying to cancel our policy with XXXX. The XXXX representative first refused to cancel our policy until we provide the prove of new insurance, saying it is required by DMV laws. Although, we were already insured with the other provider, we did not want to share that information with XXXX without legal grounds for the demand. When we requested the link to the law, XXXX could not provide the link, they then said there was no law like that, and apologised for misunderstanding XXXX the concersation was held on a recorded line ). 
Since we could not resolve the dispute with XXXX, we had to dispute the payment through our bank in XX/XX/XXXX. XXXX was informed about us disputing the payment throught the bank via official email dtd XX/XX/XXXX. The email was not anwered by XXXX. Our bank disputed the payment - we received the payment back. 
However, in XX/XX/XXXX we received a letter from Credit Collection Services, XXXX XXXX XXXX, XXXX, MA XXXX informing that XXXX  placed our account to CCS for collection. 
We please ask Consumer Right Protection Bureau to help us settle the dispute with XXXX, as the dispute was caused due to XXXX 's fail to flag the increased insurance payment by prior notice and withdrawal of higer amount from customer 's account with customer 's authorization.
Consumer complaint received 2021-07-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (NC)

In XX/XX/2020 I called CCS and agreed to pay the balance due of {$120.00} if they agreed to remove the item from my credit report. I was told that since the account was over 2 years and if I paid in full I qualified to have it removed from my credit report. I was told if I didnt pay the full amount then it would only be updated as paid on my report. I spoke to several different people on around XXXX XXXX and was told it would be removed since I paid the bill online in full. I have been trying for months to get this removed because that was what was promised to me. This company lied and misrepresented what would happen if I paid them in full. 

CCS COLLECTIONS XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Inquiries made on my credit report I have no knowledge of requesting credit for. 
XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-10-12
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. (UT)

In XX/XX/2022, I got notified by my XXXX XXXX card that my credit score had dropped significantly due to a late payment. 
After further investigation, I found that my XXXX card was the issue. I called the number on the back of my card and it routed me to XXXX ( with whom I had never had any interaction ). XXXX had trouble finding my account because my XXXX card number had changed - without my knowledge. 
A representative from XXXX told me that they had mailed me several notices that they were now the administrator of XXXX credit cards. 
I explained to them that I had elected to have all of my XXXX correspondence be electronic as I travel XXXX XXXX of the time for work ( XXXX  also strongly encourages their customers to sign up for electronic correspondence ). I had also recently XXXX. XXXX stated that they only notified card holders via regular mail. 
When I explained that without receiving any electronic correspondence and having my payments set up to automatically come from my bank account, I had NO clue that the administration of my XXXX  account had changed and I needed to make payments to them. The representative stated that there was nothing they could do to fix the error of reporting a late payment to XXXX, even though I had no knowledge of the change. 
If XXXX  wants all of their customers to sign up to receive all of the correspondence electronically and then fail to electronically notify me that I need to make payments to another company, I should not be penalized. 
I asked that the issue be escalated, and spoke with a supervisor who told me they can't correct the credit reporting error. 
I paid the account in full, and closed the account. 
I am formally requesting that the late payment report from XXXX to all 3 credit agencies be removed immediately.
Consumer complaint received 2021-04-06
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: Experian Information Solutions Inc. (NJ)

Inquiries I have reported that arent mine that I have reported as fraud are XXXX XXXX XXXX XXXX - inquiry date XX/XX/XXXX XXXX - inquiry date XX/XX/XXXX XXXX  XXXX  - inquiry date XX/XX/XXXX XXXX  XXXX XXXX - inquiry date XX/XX/XXXX XXXX/XXXX  - inquiry date XX/XX/XXXX XXXX XXXX card service XX/XX/XXXX td retail card service - inquiry date XX/XX/XXXX XXXX XXXX XXXX  XXXX  - XX/XX/XXXX all of these inquiries were not authorized by me, I request that they be removed, I contacted these companies none of them could verify I gave them permission to run a hard inquiry, non of them could provide a copy of my signature to give them permission.
Consumer complaint received 2020-09-09
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. (GA)

on XX/XX/2020 i noticed on my credit report that a fraudulent account was posting to my Experian and XXXX report. I promptly sent out a police report along with a Affidavit and other documents supporting that i indeed was a victim of Identity theft. I waited the a lotted time to see this account removed and instead it was updated. If by law i supplied the proper documentation and police report how could that be?
Consumer complaint received 2020-10-31
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. ()

On XX/XX/2020, I started an application process for a Refinance HomXXXX Mortgage with a new lender. The new lender already approved an excellent interest rate with a lower monthly payment compared to my current lender. Now, I did applied for a forbearance program with my current lender in XX/XX/2020. But I reinstate my mortgage payment in XX/XX/2020. Well, my current lender has lien against my primary home and would release the lien. When I am trying to complete my new refinance mortgage process with the new lender. My current lender is claiming that I have to wait 3 months after XX/XX/2020 before I can refinance with a new lender.
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (TX)

Complaint filed, XXXX company agreed to fix problem. They failed to do so on the one bureau that counts XXXX. Once again another deceptive act on behalf of Comenity bank. There were no late payments in fact paid early.
Consumer complaint received 2021-10-21
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: Rocket Mortgage, LLC (OK)

XXXX they take the company side every time I had a dispute with XXXX XXXX and it was not my account syntroney bank added my name to the account when my wife filed bankruptcy I am suing them now. Now XXXX is siding with quicken loans they aboved my loan they up the closing cost to over XXXX I sued them small claims and they paid me But they ran my credit 13 times I have no idea why thAt could happen. I want this off my record quicken loans is a bait and switch company this wasnt on my credit until I sued them then they added all the credit checks to get me back. If they are in the right just so up for court instead of paying I have proof of payment
Consumer complaint received 2021-10-21
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: National Credit Systems,Inc. (NC)

I am a victim of identity theft. I have contacted this company XXXXXXXX XXXX  XXXX XXXX ) now in collections with ( NATIONAL CREDIT SYSTEM ) numerous of times back and forth with all three credit bureaus about these accounts and got the run around. NATIONAL CREDIT SYSTEM only told me, " Well its in your name and you have to pay for it ''. I explain to them it was fraud nut they wasn't trying to hear that. I provided documents to prove that this isn't my account over and over and again nothing. I feel like my accounts wasn't properly investigated. They also stated that this account was created online as well. Nothing has been done XXXX XXXX XXXX XXXX will not remove the account as well.
Consumer complaint received 2021-05-28
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: Experian Information Solutions Inc. (MO)

The following accounts are not mines these unauthorized accounts are fraudulent and even in ligation so therefore I'm demanding that these accounts are removed immediately from my credit files. 

1. XXXX XXXX XXXX {$240.00} 2. XXXX XXXX XXXX {$180.00} 3. XXXX XXXX {$570.00} 4. XXXX XXXX {$170.00} 5. XXXX XXXX {$810.00}
Consumer complaint received 2021-05-28
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. (MO)

The following accounts are not mines these unauthorized accounts are fraudulent and even in ligation so therefore I'm demanding that these accounts are removed immediately from my credit files. 

1. XXXX XXXX XXXX {$240.00} 2. Account XXXX XXXX {$180.00} 3. XXXX XXXX {$570.00} 4. XXXX XXXX {$170.00} 5. MXXXX XXXX {$810.00}
Consumer complaint received 2020-06-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Rubin & Rothman, LLC (NY)

Rubin & Rothman filed a law suit case against me on behalf of XXXX XXXX. 
They were using a scarring technic and advise me not to go to court and signed some paperwork, forced me to make monthly payments to them, not to XXXX XXXXXXXX XXXX. 
After a while I tried to validate the debt. This company doesn't have nothing besides the copies of statements. they refused to establish an ownership of the debt and didn't provide me with a copy of the retainer between their company and XXXX XXXX XXXX. 
So they illegally filed a law suit on behalf of the bank when in reality they must act as a collection company and validate the debt first.
Consumer complaint received 2018-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Data Corporation (WA)

On XX/XX/XXXX, my gym locker door was pried off, and my checks and credit cards were stolen. Two checks were written on my account ( which was closed shortly after the theft -- check XXXX for {$94.00}, and check XXXX for {$76.00} ). I have been explaining to XXXX XXXX XXXX XXXX XXXX that I didn't write those checks. I have sent them copies of the police report and bank letter stating that the account was closed. XXXX XXXX XXXX XXXX XXXXXXXX continues to claim that I owe these funds, which I clearly don't, since I didn't write these checks. Please see attachment for further details.
Consumer complaint received 2020-10-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Happy Halloween ; I was 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 America Bar Association and Professional Liability Fund for code of ethics violations.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-12
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Counsel, Inc. (FL)

on XXXX I received an email from XXXX XXXX who is an employee of Credit Counsel , Inc. for a dispute I have with my divorce lawyer. 

XXXX XXXX included my ex-wife in the email. 

I called to tell him this was illegal and he proceeded to tell me that he would do it all day long. 

The email had the attached letter below : Claim of : XXXX XXXX XXXX  Balance due : {$8500.00} Account No. : XXXX NOTICE OF PENDING CLAIM Apparently you have chosen to ignore your obligation to Credit Counsel , Inc . This letter informs you that unless full payment is made within ten ( 10 ) working days after the date of this letter, Credit Counsel , IncXXXX may choose to proceed with legal action against you or refer the account to an attorney in your jurisdiction for immediate action. 
It is Credit Counsel , Inc. 's intention to exercise any and all rights provided for enforcement of judgments. 
Credit Counsel , Inc. shall proceed with such action immediately when directed to do so by our client. It is urgent that you pay the balance in full within ten ( 10 ) days after the date of receiving this letter. 
You should immediately contact the manager at : Tel : XXXX XXXX Very truly yours XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-12
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. (TX)

I have several complaints against Equifax that are still pending and open. My score just went up to XXXX points and now today dropped XXXX points with no reason giving. Every time I send in complaints against Equifax they are purposely dropping my score.
Consumer complaint received 2021-05-28
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

For XXXX XXXX Citibank has waged a war against me trying to do some coercive information phising. Two accounts already closed, now the third under attack and seized after they promised me they wouldn't. 

In XXXX of 2017 they abruptly closed my credit card account of 37 years without warning, without explanation, without cause. This resulted in several complaints through the Consumer Finance Protection Bureau. Among the ongoing problems were an overpaid of nearly {$500.00} I had made and Citibank insisted they would not refund it. After months of refusing to tell me anything about closing it but continuing to insist on information phishing on nonCitibank accounts they suddenly made a false accusation of me doing " Fraudulent '' contesting of charges even though I had not contested a charge. ( Explain that one. ) Whether it was XXXX XXXX  who secured the refund or what I don't know, they did eventually issue the refund. But continued to harass me over the closed credit card account. This includes harassing phone calls and letters. 

Then they attacked a checking account attached to the account I am currently troubled over. Again it was about information phishing. Resulting in my closing the account. I asked specifically if I needed to close this remaining account because it's not safe from them, but they promised they'd cause no further trouble. I foolishly left the account open, because it's a bother to switch banks. 

Now they have blocked my access to this last account and stolen my money, using blackmail for their coercive information phishing as their excuse. 

Citibank wasn't always such a crooked company. I had my student loans through them, leading to my credit card. When they opened the XXXX branch I went there. Now they have chosen to be a criminal organization and I will need to shake their dust from my feet.
Consumer complaint received 2020-10-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (TN)

This debt is originally to XXXX. I have been trying to correct this with them for over a year now. IC Systems is the current collector for this debt. I have conteacted them on numerous occasions. I was directed to contact XXXX directly because there was nothing the collector could do for the fraud. XXXX then directed me back to the debt collector. I have gone back forth multiple times. I received a letter from IC Systems that the account would be deleted and not pursued any longer. However, it has never come off of my credit reprts and continues to damage my credit. I was the victim of identity theft and have the documentation stating so. But these companies refuse to take the account off even after filling out all the required documents and receiving proof of deletion. I do not know how else to resolve this issue with them.
Consumer complaint received 2021-02-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (IL)

SOMETIME AROUND XXXX OF 2018 A CREDIT CARD WAS OPENED IN MY NAME WITHOUT MY CONSENT ... THE AMOUNT WAS {$750.00} DOLLARS. I WAS A VICTIM OF IDENTITY THEFT ...
Consumer complaint received 2021-12-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Revco Management, LLC (MD)

I received a notification from XXXX XXXX about new collection added to my account I viewed my XXXX XXXX report and seen a collection company I had no knowledge of I disputed this collection account several times having no knowledge of this account or ever having service with the collection company and was told company has contacted me and spoke with me and I agreed to pay which is false and incorrect information I never received anything from this company or spoken with anyone the it was multiple attempts to illegally garnish my social security account without informing me