davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I appreciate your assistance in removing a portion of my credit file related to fraudulent activities. However, there are still items that require removal. Under FCRA Section 605, you are obligated to remove any inaccurate records. I have previously submitted this documentation and am resubmitting it for your reference. Please be advised that my attorney is aware of my intentions and is prepared to hold you accountable for any continued non-compliance. 
XXXX XXXX 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 XXXX XXXXXXXX Balance : {$XXXX} XXXX XXXX XXXX XXXX Balance : {$XXXX} XXXX XXXX Balance : {$XXXX} XXXX  XXXX Balance : {$XXXX} XXXX XXXX  XXXX Balance XXXX {$XXXX} XXXX XXXX XXXX XXXX Balance : {$XXXX} XXXX XXXX XXXX XXXX Balance : {$XXXX} XXXX  XXXX Balance : {XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-08-10
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: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance {$230.00} o XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$920.00} o XXXX XXXX Balance {$1600.00} o XXXX XXXX  XXXX Balance o XXXX XXXXXXXX Balance - o XXXX XXXXXXXX Balance {$1600.00}
Consumer complaint received 2015-07-10
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Payday Loan, LLC (CA) (CA)

Payday Loan LLC did not credit my payment to my account and now they are reporting it as charged off on my credit report. As a XXXX XXXX who would like to be able to purchase a home, this mark is hurting my credit and my ability to access my XXXX 's benefits. Repaying with a cash payment is apparently a way that they can fraud people! I would not allow {$310.00} to ruin my chances at buying a home.
Consumer complaint received 2017-04-12
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (MA)

In XXXX of this year I made an bank '' payment to American Express for the amount of XXXX, ( XXXX ). On XXXX/XXXX/2017 AE made a demand for payment to my bank, ( XXXX ) for XXXX, ( XXXX ). The amount on deposit would not cover the demand and payment was rejected by my bank. On XXXX/XXXX/2017 my XXXX bank account received a debt Reversal of ( XXXX ). On XXXX/XXXX/2017 I was charged XXXX dollars, ( XXXX ) for Returned Item. On XXXX/XXXX/2017 American Express retried to withdraw ( XXXX ) from my account. On XXXX I initiated a Stop and Hold on American Express, ( cost {$35.00} ). On XXXX/XXXX/2017 AE again retried to obtain payment of ( XXXX ). I have made numerous calls to the AE Customer Service Center in effort to straighten the problem out, after admitting an error on thier part AE sent me a check for, ( XXXX ) in payment for funds that were never withdrawn from my account due to lack of funds and a Stop and Hold order. I called thier Customer service Center and explained to them that since no payment was made by me they do not owe me any money ; I then asked them how they wanted the check handled, they advised me to return or destroy it, I shredded the check and advised them that it had been destroyed, I thought that was the end of the matter. No I am still receiving demands for payment for XXXX, ( {$10000.00} ). They just do n't seem to get it and as a result are damaging my excellent credit rating
Consumer complaint received 2017-04-11
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (FL)

Hi a wire was send to pay, {$4000.00} and one for {$350.00} for shipping.for an invoice, for a total of {$4300.00} thru Wells Fargo Business account, the same day that was Re-send was stop by me in the same day XX/XX/2017 that was a Friday, was stop by me, at the Bank with an officer and with wire customer service, the wire customer service, do to be Friday their left it for the following Monday the XX/XX/2017 this is neglecting in their part, and their send the funds anyway, now we are out the funds and their just washing their hands, telling me is to late, there is no way we going to lose that money, so we ask to help us in this matter Banks always get away with murder, their always committing fraud again customer and no body cares, we ask that their credit our account do to their neglecting specially today that everyone is a victim of fraud daily.
Consumer complaint received 2023-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc. (NY)

On XX/XX/XXXX  I mailed proof that I paid XXXX XXXX  violations that I owed them. I mailed it to PAM ( Professional Account Management LLC ) at XXXX XXXX XXXX, XXXX NY. I then gave them a month to investigate and called PAM on XX/XX/. They said that they received my proof ( receipts that I paid XXXX, who refused to let PAM know that I paid them ), and PAM stated XXXX has a 30 day grace period : since they received the notice on XX/XX/XXXX  they have until XX/XX/XXXX  to respond. The PAM representative said to call back on XX/XX/XXXX  and if it is not resolved to speak to a supervisor. I called on XX/XX/XXXX  and was told that all supervisors are in a meeting. To this date I have been calling to speak to supervisors and I keep being told that one will call me back and no one has. I keep telling them that this is urgent because its preventing me from renewing my NY registrationXXXX I work for XXXX XXXX and have kids that I drop off and pick up from school. so it is imperative that this is resolved. It is not fair that I paid XXXX and theyre not responding. Once this is cleared I can renew my registration but no one is making an effort to rectify this : Since no one is contacting me from PAM Im reaching out to XXXX  with the hopes that this can be resolved ASAP. This is for ticket # XXXX
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Dear Equifax, I want to express my appreciation for providing me with the performance summary, as you are obliged to report only factual information. However, I would like to draw your attention to the stipulation in 15 US Code 1681 ( 2 ) ( a ) ( i ) of the Credit Reporting Act, which mandates the exclusion of my transactions from your reporting. It's essential to note that my payments are considered as transactions.

I kindly request a comprehensive investigation into this matter and ask that you furnish me with a detailed description of the so-called late payments that you have purportedly verified as legitimate. Furthermore, I wish to inform you that delayed payments are in direct violation of 15 US Code 1666 ( b ). If it is determined that these allegations are false, I urge you to promptly update my file to reflect " Paid as Agreed '' and " Never Late '' status. Additionally, I request that you transmit this updated information to all the credit reporting agencies to which you provide reports. 

This correspondence serves as a formal complaint against the inaccurate and incomplete information currently present on my credit report. Specifically, the notation regarding the late payment is incorrect. I implore you to conduct a thorough investigation and verify the accuracy of all data associated with this account, including notation dates and balances, whether they have been reported or not. Here are the details for your reference : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

I respectfully request concrete proof of this alleged item, particularly evidence demonstrating that these payments were indeed late. In accordance with consumer protection laws, I insist that if you are unable to provide such evidence or if you lack proof of these payments being late, you promptly amend my payment history to " PAAN '' status ( Paid as Agreed, Never Late ) and furnish a corrected credit profile to any creditors who have requested a copy of my report in the last six months.

Moreover, I am seeking an explanation of the procedure employed to determine the accuracy and completeness of the information. I am aware that this information must be provided within 15 days of the conclusion of your reinvestigation. Federal law also dictates that you have 30 days to complete this investigation. I understand that you are obligated to validate these items with the reporting creditor to ensure accuracy. Any information that the creditor can not verify should be promptly removed. I expect this process to be completed within 30 days of receiving this letter, or else the inaccurate information must be expeditiously removed. 

Kindly forward an updated copy of my credit report to the address specified above. I greatly appreciate your time and assistance in addressing this matter. 

Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-09-07
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TD BANK US HOLDING COMPANY (GA)

I sent a cease and desist notice by certified mail to TD auto that was received on XX/XX/XXXX. I made a complaint about the company after receiving numerous calls, text and bills from the company dated after that date. The first complaint for this company was closed ( complaint code XXXX. ) The response back from the company they apologized for contacting me after cease and desist notice explaining they needed time to forward the cease and desist to the right people. The last XXXX days ( XXXX XXXX ) I received XXXX more notices by the company I need this company to stop XXXX me.
Consumer complaint received 2024-10-14
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. (UT)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2017-04-13
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (VA)

My mortgage loan was sold to LoanCare in XX/XX/XXXX. In XX/XX/XXXX, XXXX mailed me an escrow analysis statement indicating my payment was reduced by approx. {$200.00} effective XX/XX/XXXX. I mailed LoanCare the reduced payment for XX/XX/XXXX. Shortly afterwards, I started getting calls about my payment. I called LoanCare and explained that my payment was reduced. They stated they needed to update their information and to fax them a copy of the XXXX escrow analysis. I faxed the information and emailed customer service but I continued getting calls. I called 3 times and eventually spoke to a supervisor. He assured me that he 'd correct the issue and he 'd send me a letter regarding any negativity regarding my credit. He left me a voice mail saying the issue was resolved. I then made the XX/XX/XXXX payment but I paid the higher amount because they were taking too long to fix the problem. I then received a statement from LoanCare with the corrected payment due and I made the payment for XX/XX/XXXX. I mailed my payment as directed. I checked my credit score in XXXX and it dropped XXXX points. When I reviewed the reason, it indicated my payment to LoanCare was 30 days late for XX/XX/XXXX. I called LoanCare again and was told they would call me the following day because the supervisor I mentioned was not in the office. I did not receive a call back. Since then, I received from Loan Care another escrow analysis and it is now indicating that the payment has gone back up again. I reviewed it against my old XXXX escrow analysis statement and there is only a difference in the amount being applied to principal each month XXXX different interest rate? ) ; hence, there is less available to pay the taxes and insurance ( Both are the same amounts as in the previous year ). I have called, faxed, emailed, begged and pleaded for this matter to be resolved and for my credit score be corrected but they are not doing anything. This is ridiculous that I have had to spend hours on the phone and my score has dropped XXXX points. I have not done anything wrong but I am the victem of automated systems and customer service reps that cant help. What should I do next?
Consumer complaint received 2022-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance {$230.00} o XXXX XXXXXXXX XXXX XXXX  XXXX Balance {$920.00} o XXXX XXXX Balance {$1600.00} o XXXX XXXX XXXXXXXX Balance o XXXX XXXXXXXX Balance - o XXXX XXXXXXXX Balance {$1600.00}
Consumer complaint received 2023-07-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NC)

My mortgage loan balances were totally wrong ( $ XXXX missing ) after my mortgage loan was sold by XXXX to loancare.com. Loancare is not responsibily working with XXXX  to correct the situation. XXXX did unauthorized payment reversals and other weird changes prior to the mortgage sale.
Consumer complaint received 2022-09-07
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)

In accordance with the fair credit reporting act XXXX accounts, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, have all violated my rights. 

I XXXX XXXX, Consumer, and natural person, am aware of all rights that I have, and which are protected by the congress under the fair credit reporting Act ( FCRA ). 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 XXXXXXXX XXXX XXXXXXXX XXXX Account # : XXXX XXXX XXXX  XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX SOC SEC ADMIN OFFICE O Account # : XXXX SSA/OFFICE OF FINANC Account # : XXXX XXXX XXXX XXXX Finance : XXXXL XXXX Banking : XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX Miscellaneous and Public Record : XXXX XXXX XXXX Finance : XXXX XXXX XXXX Banking : XXXX XXXX Banking : XXXX XXXX XXXX Finance : XXXX XXXX Banking : XXXX XXXX Banking : XXXX XXXX Real Estate and Public Accommodation :
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

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 XXXX 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 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and my credit health.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-14
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)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC (GA)

Contributor : XXXX XXXX Contribution Ref # ending in : XXXX Incident Date : XX/XX/2017 Principal Loss : {$0.00} Contribution Reason : Checking Account Fraud The issue concerns the fact that XXXX bank has incorrectly classified my account as fraud. I have not committed fraud in any manner. I have not submitted bad checks or performed any other type of activity that would constitute checking account fraud. I have contacted the EWS agency and they have viewed the information. However, I have not received any response. The incident date is incorrect because the incident never occurred. 



Thank you
Consumer complaint received 2017-04-03
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Business and Consumer Solutions. (VA)

I contacted this debt collector concerning a debt reported by credit reporting service. 

I asked them to send me documentation showing the original creditor stating the true and accurate final amount of debt owed to the original creditor and stating this debt collector was given the right to collect the final amount of debt owed to the original creditor. 

I was told they can not respond in writing to me. 

I sent them an affidavit requesting them to provide the documentation and that the FDCP mandates they respond within 30 days. 

This debt collector did not send me any documentation nor responded to me at all. 

I consider this to be a case of fraud and extortion.
Consumer complaint received 2017-02-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (RI)

We were forced to short sell our home. The sale closed, the title was transferred to the new owners. Under duress, we were forced to sign a promissory note to pay back the difference to the lender. Our financial situation has deteriorated since then unfortunately by a divorce, with XXXX young children involved. We need relief and feel as though it is unjust to pay for a mortgage on a home that we no longer own. This may force us to go into bankruptcy.
Consumer complaint received 2017-07-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (OH)

I have an unverified account from AMSHERCOLLECTION SERVICES. I had previously disputed this account. I have never done business with AMSHERCOLLECTION SERVICES. 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 AMSHERCOLLECTION SERVICES 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 AMSHERCOLLECTION SERVICES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2017-04-11
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

On XXXX/17 i called my mortgage company, because i needed to know whom is my home Insurance coverage is with..On XXXX separate occassion i was given Policy # XXXX and the Insurance company is XXXX ... When i called with that policy #, the information they had on file, WAS INCCORRECT.The name ( s ) they had wasnt mine or my wife '' s and the Home Address was also incorrect.I would like to find out if My finances was paying for these other people coverage.