davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: National Commercial Services, Inc (VA)

I received letters in the mail from collection agency National Commercial Services claiming I first owed $ XXXX then XXXX. When I called, to find out what this was about, they were nasty, threatening and said I couldn't dispute the collection. Their letter states they will suspend my driving privileges for failing to respond or pay. The case comes from a driving incident I had in XX/XX/XXXX. The plaintiff sued her insurance company for personal injury funds and her company submitted a claim against my insurance company in which they denied payment. Now, her insurance, XXXX XXXX, has submitted the suit to NCS for payment. 

I started receiving letters in XX/XX/XXXX. Please note that at no time between XX/XX/XXXX and XX/XX/XXXX did I receive any notification that a case had been filed. I was never informed by my insurance or hers, never officially served by a sherrif or other law enforcement agent regarding a trial, nor was I named in the case heard in XXXX XXXX, Maryland. I don't understand how they have identified me as the owner of this issue and how they can say I am obligated to pay this without any proof other than a computer print out from their internal system of a payment allegedly showing a check paid either to or from the Law Offices of XXXX XXXX XXXX. 

Additionally, their collection letter doesn't state that a ) it's an attempt to collect a debt and b ) that I can dispute it. 

I have contacted my lawyer, the courts and both insurance companies. No one has a clear answer on whether or not this situation is legitimate and given NCS 's  threatening business tactics and the simple fact they can't produce solid evidence leads me to believe this is a fraudlent attempt to collect a debt that hasn't even been entered in for judgement at this point ( how can it be if I wasn't named? ). 

I have sent them a check for {$51.00} to keep them at bay until I can figure this out. I really need help though. I think I am being taken for a ride.
Consumer complaint received 2020-11-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (MA)

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 XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2024-03-20
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC. (TX)

This company Halsted FinancialXXXXXXXX XXXX will not stop texting me. They provided directions to opt-out and I did submit that in writing, but they will not stop. They texted me on : XX/XX/year> at XXXX and I immediately sent them a written request to stop contacting that phone number. They acknowledged the request and said they would stop. 
Then they text me again at XXXX the same day! 
Then they text me again at XXXX on XXXX XXXX. I again requested in writing to stop contacting this phone number and they acknowledged again. 
Then they text me again at XXXX on XX/XX/XXXX. 

They are harassing me at my personal cell phone number and will not stop after repeated written demands to stop. They are sending texts from a short code number " XXXX ''
Consumer complaint received 2021-08-12
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: TOYOTA MOTOR CREDIT CORPORATION (FL)

these accounts appear on my credit report, they don't belong to me, it's hurting me. 
Identity Theft TOYOTA MTR Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX.

Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NC)

My wife and I have a home mortgage with Sun Trust Bank, XXXX. My wife passed away two weeks ago. I attempted to notify Sun Trust so they could update the names on the mortgage. They gave me a number to call, XXXX. When I called I was put on hold for 30 minutes and finally spoke with a lady that was rude, surly, and chewed my out for some information that the agent in XXXX had not provided me. At that point I decided that I would just pay off the mortgage and be done with it. The agent in XXXX told me to call this same number. They put me on hold for 56 minutes then hung up on me. I went by to Sun Trust in XXXX and requested that the agent help me. He refused saying I needed to keep calling the number. I contacted Sun Trust on line and a recording told me it would be a minimum of 30 days to get this information and they would only send it to a Fax machine. All I want is how much I owe on my mortgage and where do I send the check. They refuse to give me this. Any other bank would provide me this information in 10 minutes.
Consumer complaint received 2023-01-23
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 recently sent Equifax a letter informing them to send me how they are verifying the account listed on my credit report ( XXXX XXXX XXXX ) because I also challenged these accounts with XXXX XXXX XXXX and per XXXX XXXX XXXXXXXX investigation they was not able to verify the above account. I have also sent all three companies an identity theft report however Equifax keeps posting this account under my credit report as verified and have yet to send me any information on how this account is proving verified on their end. Attached is the letter I sent to Equifax and a copy of the identity theft report.
Consumer complaint received 2023-01-04
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Peer Advisors, LLC (AZ)

This complaint is being submitted on behalf of XXXX XXXX. 

My client, XXXX XXXX, passed away, intestate in XXXX. She had a reverse mortgage on the home. Her brother XXXX XXXX has been in probate court over the past few months to become her personal representative to settle her estate. XXXX XXXX, XXXX  and XXXX XXXX XXXX have all been informed of the probate court case. XXXX XXXX received approval to settle his sister 's estate on XX/XX/2022. I listed the home for sale on the market on XX/XX/2022. The trustee and lender were informed of these items as well and they still foreclosed on the home on XX/XX/2022. This foreclosure has transferred a significant amount of the family 's inheritance to the real estate investor who purchased the home at the sale.
Consumer complaint received 2022-08-09
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: Experian Information Solutions Inc. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing in response to a notification on my credit report. The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the account on the credit report is incorrect. 

XXXX XXXX Late Date : XX/XX/19
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

This credit reporting agency has stated that the following accounts XXXX # XXXX first late payment was XX/XX/XXXX and XXXX  # XXXX first late payment was XX/XX/XXXX are accurate and verified after they did an investigation to verify the ALL The information was correct. however these accounts are passed the 7 years allowed for reporting on the credit report and therefore must be deleted. This inaccuracy has caused me to be declined for a new car loan. 
I have attached XXXX response showing that they have deleted BOTH accounts after they did do a proper investigation and I am requesting the this reporting agency do the same immediately.
Consumer complaint received 2022-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The credit bureau failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account after multiple letters and phone calls.
Consumer complaint received 2023-01-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: EAST WEST BANK (IA)

I have included information regarding a fake fraudulent company by the name of XXXX. Unfortunately I was scammed out of my lifes savings ( {$300000.00} ). They did their business through East West Bank in XXXX XXXX Ca. and I spoke to the fraud department via email and they basically said to bad we can't help you. I did my best to perform my own due diligence as you will see by the information that I will be submitting to you. This all started in the middle of XXXX and after my account was drained at the end of XXXX. I don't believe that East West bank knew who they were or what they did regarding their business or they simply didn't care and that's how I see it at this time.
Consumer complaint received 2021-08-12
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: Blakely-Witt and Associates, Inc. (TX)

I sent a certified letter dated XX/XX/2021 to Blakely-Witt Association, called XX/XX/2021 at XXXX to follow up as I had not received a response or a deletion as they have violated several of my consumer rights. Spoke to a rude rep XXXX, which he ended up hanging up on me, called again, then spoke to another rude rep, XXXX XXXX in which he was of no assistance. The letter stated that they never received any written consent from myself to report this " alleged '' debt to any consumer reporting agencies, especially XXXX XXXX & XXXX and that no consent is identity theft, attached with a copy of the law. He refused to answer my question and said that they have responded to every letter I've sent them but yet asked what the letter said as if it wasn't received. They refuse to speak respectfully and acknowledge that they violated several of my consumer rights. Proper investigation was not completed to verify the said debt pursuant to 15 usc 1681a ( e ).

Regardless, 15 usc 6802 states that " an institution may not disclose personal information to a non-affiliated 3rd party without consent '' so unless Blakely Witt can provided consent, they need to delete any alleged debt immediately.
Consumer complaint received 2022-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I noticed that XXXXXXXX XXXX had inaccurately reporting information monthly on my crafty report as if there is new/updates information for this account and there has not been any updates or activity on this account in about 6 years. When I brought this issue to the attention of all 3 crafty bureaus they gave me the run around a claiming they didnt understand my request. I was clear in my statement of incorrectly reporting an account which has had no activity. XXXX XXXX  continues to report just recently as XX/XX/XXXX. 2022 in this Closed account. 

They should not be reporting on a closed account that has had ABSOLUTELY NO ACTIVITY IN 6 years!!! They continue to report it as activity hence extending the 7 year expiration time which is illegal!!! 

They have been avoiding addressing this issues spitefully.
Consumer complaint received 2021-06-22
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: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX  are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2022-10-03
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: Chime Financial Inc (NC)

This is an issue with a disputed transactions. The first one was for XXXX that was filed this year. I sent in all the necessary documents to prove that the merchandise is not in my possession and the merchant promised a refund and never did so. Chime refuses to credit the checking account despite documentation of evidence provided by me. Claim # XXXX, For my credit builder acct, there was an unauthorized charge on the account and chime automatically denied my claim without providing any proof that they had even contacted the merchant. The unauthorized amount charged was XXXX Claim # XXXX After this denied dispute I wanted to cancel all accounts with this online bank. 
The company refuses to cancel the account and according to my app, I owe a balance of XXXX.
Consumer complaint received 2021-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP. (MS)

I requested a grace period for XXXX and XXXX due to losing my job during COVID. The mortgage company denied this because i had no job lined up in the future. Then I had several health issues which made me XXXX. The court found me XXXX  as of XX/XX/2020. Instead of trying to help me out the mortgage company started charging me late fees. The man ( supposed to be a manager ) was rude and treated me badly. I would like to get a reduced payment. I am struggling to pay my bills. After paying everything out of SS benefits I am left with {$170.00} a month for gas and groceries. It is getting impossible. I have drained my savings down to {$5.00}.
Consumer complaint received 2023-02-10
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. (IN)

I reviewed my consumer reports and noticed that I had a late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account listed : Account Name : XXXX XXXX XXXX Number : XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I demand these payments be updated to " on time '' as they should be, as I was NEVER late.
Consumer complaint received 2018-03-15
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. (GA)

On XX/XX/XXXX I received an email from XXXX XXXX, stating that an inquiry was made on my Equifax Credit Report by XXXX XXXX. This inquiry was authorized without my verbal, written or implied permission or consent. 

On XX/XX/XXXX I received a bill from XXXX XXXX with my full name and address for Account number XXXX, XXXX number XXXX, phone XXXX for the amount of {$120.00}. This account was never opened by me. I am a victim of fraud and identity theft. I called XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX at XXXX and XXXX, but to no avail, as I was on for many hours and then the call dropped, after calling again each time it stated all circuits are busy. 

On XX/XX/XXXX, I received a letter from XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, Kansas XXXX. XXXX XX/XX/XXXX, stating that, " While we appreciate your interest, unfortunately we are unable to approve your request. Your request was carefully considered and we made our decision for the following reasons : We were unable to verity your identity. '' Someone has accessed my personal information without my permission or consent and has attempted to open an account with XXXX XXXX. Application number : XXXX, in which I received a letter from XXXX stating that credit was denied. 

On XX/XX/XXXX I received an email from XXXX XXXX XXXX, XXXX, XXXX, email address : XXXX stating that, " Your password has been XXXX due to multiple use of incorrect login details. '' " For your security, we have XXXX your Online banking. '' This is also fraud and identity theft, as I made no attempts to access my online XXXX XXXX  account. 

On XX/XX/XXXX I received a letter from XXXX XXXX, P O Box XXXX, XXXX, Oregon XXXX, stating that on XX/XX/XXXX, they confirmed that an unauthorized intrusion into their computer system was made, resulting in the theft of my personal information. This issue is unresolved and has not been addressed by Equifax Credit Bureau and has left me vulnerable to future fraud, identity theft, criminal acts, etc. 

In additon, I believe that I was a victim of identity theft and fraud due to the Equifax computer system breach or sale of information in XXXX. This issue is unresolved and has not been addressed by Equifax Credit Bureau and has left me vulnerable to future fraud, identity theft, criminal acts, etc. 
This fraud and identity theft has resulted in my Equifax Credit Score being lowered and is not only causing me financial stress and fear but is also causing me much fear for my life because someone has my full address and may decide to do physical to me and my love ones. 

I am unaware of how to resolve this issue of fraud and identity theft. I am stressed and living with great fear. I need your help in resolving this issue of multiple fraud, identity left, lowered credit scores, and attempts to access my bank account.
Consumer complaint received 2021-11-04
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: GOLDEN 1 CREDIT UNION, THE (CA)

golden one placed two negative marks on my credit due to a system issue that did not advance duplicate payments made over multiple months. Because the dealership did not put the correct number on file. They did not contact me to remediate not even by mail. I was informed of this issue after they placed the first negative mark and after i called the second mark. I havent had one late payment by any of my accounts and my credit score was XXXX now its XXXX i feel like this was done on purpose to adversely and negatively impact my score. 

when i contacted golden one in early XXXX, they informed me that they would fix and it would take 10 days on a recorded call. they issue was that multiple payment in month were not advanced properly. after 10days with no call back. i contacted Golden one and they informed me that they could not correct the issue. I spoke to another rep who said they could fix it and when i called back after 7 days again they again said they would fix one mark and not the other. 

incorrect information from the dealer did not allow me to remediate this issue golden ones billing system not advancing my payments properly. 
golden one not using an alternate way to contact me.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am formally filling a complaint regarding a significant discrepancy in the balance of my account, XXXX XXXX XXXX XXXX Balance : {$16000.00} with XXXX XXXX XXXX. I have attached relevant documents to support my claim and provide further details. On XX/XX/year>, I noticed that the current balance displayed on my account statement does not align with my records and calculations. After conducting a thorough review of my transactions and payments, I have identified several discrepancies that have led to an inaccurate account balance.