davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-19
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: ERC (TX)

XXXX  is falsely reporting two account on my credit report that is not mine at all. Ive tried to get them to investigate and verify and send me information proving or backing up the investigation. Ive written several certified mail pieces since XXXX and Ive managed to get the account removed from my report on the other credit bureaus but XXXX  will just not remove the obsolete erroneous inaccurate unverifiable account. Plus they wont tell me or send me proof of how they verified. Both accounts need to be removed Enhanced Recovery XXXX XXXX XXXX
Consumer complaint received 2017-12-18
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)

Re : Account Number To whom it may concern : I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records i am unable to find any documentations of any contractual relationship between name of company and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim against me. In the event you continue your collection without any proof of contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract you must cease and dismissed any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney without providing proof of contract, he will be immediately reported to the state bar association and professional liability found for code of ethics violations. I have attached a letter in the file section along with photos of the inaccurate accounts that you have been reporting for many years and up to date. I will be following up within the next couple days to week to solve this matter immediately. 

Sincerely XXXX XXXX
Consumer complaint received 2020-09-19
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$4000.00}, {$1900.00}, {$3300.00}, {$2200.00}, {$250.00}, {$5400.00}, {$1900.00}, {$3200.00}, {$1800.00}, {$2300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

6. XXXX XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$250.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

9. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of  {$1800.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account.
Consumer complaint received 2018-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC. (TN)

On XX/XX/XXXX, client deposited a check in the amount of {$4100.00} into account. After doing so, client became worried that check was fraudulent, and contacted bank. Representative of bank assured client that check seemed valid, and if it cleared in 24 hours, would be. Client waited for stated time, and on XX/XX/XXXX used those funds. On XX/XX/XXXX, client and parent were notified check was indeed fraudulent, and now owed bank restitution. Parent contacted bank on XX/XX/XXXX, was told there were no notes on the account. Parent contacted fraud department and instituted proceedings on XX/XX/XXXX. Parent covered " overdraft '' of {$2600.00} on XX/XX/XXXX. Bank states it has no liability in this regard ; parent researched and found literature stating bank not responsible for misstatements by employees. This seems unreasonable, client sought help, and without statement by employee quite probably would not have used funds after consulting with others. Parent offered mediation, and stated this action could be litigated. Local bank manager re-escalated fraud query, but neither action taken nor correspondence sent to parent. Bank manager offered 0.2 % over market rate for a deposit account ; parent declined this minimal offer.

Bank charged overdraft charges on debit card - parent contested these, they were returned ( at this time, I think all were, but there were many ) Multiple employees stated that funds were made available due to parent 's accounts at bank, even though parent was not notified until AFTER the fact. Another employee stated this type of fraud is not unusual, though it is not readily searched. 
I know of no other business that can misrepresent and not be held liable for actions, though there may be some.
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX XXXX Balance {$24000.00}, account XXXX. This payment history is wrong. I have attached payment history XXXX XXXX XXXX  agreed to. XXXX XXXX XXXX has  been reporting my auto loan account XXXX. They are reporting this account as charge off no payment received. Yet I have been making payments over the last year. I have provided proof of some of the payments I have made. 

They have been calling and making threats about the account. They will not update the account on my credit report after they have charged off account. 

Please delete this account. XXXX XXXX XXXX did not report this account correct for more than a year. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 

Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Consumer complaint received 2021-09-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (TN)

I've been trying to get this resolved with this horrible, immoral collection agency ALL YEAR! Their collection tactics are deceitful. They just buy alleged debt for pennies on the dollar to turn a profit. Despicable! They have placed a collection on my credit profiles claiming that I owe {$360.00} to XXXX. Ive never had an account with XXXX. I've always had XXXX XXXX. I have reached out to this company 4 times between XXXX and XXXX of 2021.
Consumer complaint received 2020-09-19
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NM)

Consumer Complaint Synchrony Care Credit offered a promotional 0 percent interest rate on my XXXX XXXX. I used Care Credit to purchase XXXX XXXX in XX/XX/XXXX. The promotion was that there was no interest for a year, however when they billed me in XX/XX/XXXX they referenced a tiny piece of print and the word deferred interest at a rate of 26.99 %. The charge was exorbitant. When my son and I called to sort this out and reach an agreement two representatives, XXXX and XXXX were not helpful. When I asked XXXX to speak to someone else he asked, 'who? '. I asked if there was someone else and he told me that another rep would tell me the same thing. I asked if there was someone over him or if he was the XXXX if synchrony. He transferred me to XXXX who finally noted that old age and memory were part of the issue, however he said that the interest was contractually allowed so there would be no negotiation and the interest would stand.
Consumer complaint received 2020-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (AZ)

My mortgage is serviced by The Money Source ( www.themoneysource.com ; XXXX ). I have had a few mortgage servicing issues with The Money Source ( TMS ) in the short period they have serviced my loan. 

I emailed TMS and also spoke with a customer service representative yesterday because the mortgage ( Loan # XXXX ) for my home at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX is established with escrow withholding for property tax and insurance payment. 

The semi-annual property tax payment on this loan was due XX/XX/2020 to XXXX County and delinquent fees will be assessed as of XX/XX/2020. The TMS customer service rep call admitted yesterday that TMS made an error on my account as I am paying the escrow funds each month to TMS, but TMS ' system is not set up to pay my property taxes. The TMS representative told me this would be addressed and someone would close with me yesterday. I never received any follow-up from TMS and given prior experience with TMS, they typically do not follow-up with customers.

As my property tax payment that should be paid by TMS will soon be delinquent I need immediate assistance please in resolving this issue and ensuring TMS pays my property tax bill before XX/XX/2020. 

Thank you. XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2018-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

I have been in contact with XXXX XXXX to satisfy the payment of my loan that has been charged off. I know it was my responsibility to pay on time, but life happens and I wasn't able to. I contacted the corporate office on a few occasions to satisfy my debt. I went into the local office and paid cash based upon the amount that a representative from the corporate office and I agreed on which was {$370.00} which was paid on XX/XX/2018 ( see email ). Upon paying the guy stated that it left me with a {$14.00} balance and at that point I made him aware that I spoke with XXXX XXXX at the corporate office and she sent me documentation via email on the company letterhead stating that I would not be responsible for that {$14.00} ( please see attachment ). Once I left the office, I immediately went and scanned a copy of my receipt and sent it to XXXX XXXX via email. I never heard anything. I then sent a fax, no response, I called and mailed a letter and til this day I have not heard a response from XXXX XXXX or XXXX XXXX. All I want is for this to be corrected and have my credit report reflect that this balance has been paid to {$0.00}. I did everything that I was supposed to do on my end and what was agreed upon, but the company is not following through on their end. This has taken almost two months which is unacceptable. Attached you will find my letters and responses from all contact with XXXX XXXX, XXXX.
Consumer complaint received 2020-09-18
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: SYNCHRONY FINANCIAL (MA)

How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-09-18
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ULRS, Inc. (CA)

I have been receiving numerous harassing phone calls from United Legal Group after I asked them to stop calling me. I last received a voicemail message from them on XXXX. I believe they are harassing me to try to collect a debt that I do not owe and that is also zombie debt or time-barred debt. I believe the debt is time-barred because a representative at XXXX told me the debt relates to a medical bill that was delinquent in XX/XX/XXXX. However, the company reported falsely that the debt became delinquent in XX/XX/XXXX on my credit report with XXXX and XXXX. The information on my credit report identifies the reporting company as Credit Collection Bureau, but this appears to be the same company as United Legal Group. The phone number and address are identical to those used by United Legal Group. United Legal Group has called me numerous times and left numerous voicemail messages even though I asked them to stop calling me several months ago. In addition, they never have identified why they have been calling me. They either hanging up the phone when I answer or they will play a recording instead of a person coming to the line purely done for the purpose of harassing me.
Consumer complaint received 2018-07-25
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc. (ID)

I have a student loan held by XXXX XXXX which until recently has been serviced by XXXX XXXX. With the merger of XXXX XXXX and Nelnet, management of my loan was released to XXXX XXXX. Within a month of the transition XXXX permanently raised my monthly payment without explanation or disclosure of the financial impact. I contacted XXXX for explanation of the change and full disclosure of adjusted terms of the loan. Customer service was only able to suggest that there had been an interest rate change which XXXX XXXX had for some reason chosen not to process which would now be applied by XXXX. No disclosure of the impact of this change, either monthly or in the life of the loan, was offered or provided. This is basic information. It is very clear that XXXX would prefer to raise rates without explanation and at their own discretion.
Consumer complaint received 2020-09-19
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: TRANSWORLD SYSTEMS INC (TX)

XXXX is falsely reporting two  account on my credit report that is not mine at all. Ive tried to get them to investigate and verify and send me information proving or backing up the investigation. Ive written several certified mail pieces since XXXX  and Ive managed to get the account removed from my report on the other credit bureaus but XXXX  will just not remove the obsolete erroneous inaccurate unverifiable account. Plus  they wont tell me or send me proof of how they verified. Both accounts need to be removed XXXX  XXXX Trans world systems
Consumer complaint received 2022-07-27
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: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Investigation Request Letter To whom it may concern I received a copy of my consumer report in pursuit of trying to improve my consumer report and noticed an account that i wanted a little more explanation on. I am not saying that it's reporting right or wrong im saying i am not 100 % sure if it is. The Fair Credit Reporting Act gives me rights to challenge anything i am not sure is accurate. I also heard by law you have 30 days to verify this account reporting on my consumer report. 
In 15 U.S.C Sec. 1681 i ( a ) it states if you caint provide proof this account must be deleted if they are not 100 % accurate. So i would like this account properly verified and removed if there's anything missing. 

XXXX XXXX XXXX-Account # XXXX
Consumer complaint received 2018-09-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Client Services, Inc. (MA)

I gave permission to a collection agency to discuss with my mother ( I am not a minor, my mom was helping me out on some outstanding credit card debt ) one account. My mother paid a {$500.00} settlement and a few days later received a letter stating Returned Check Notice. Your receipt payment on the above referenced account has been returned as dishonored by your financial institution. When in fact we contacted our financial institution and they had never received any request for payment of a check to this credit collection agency. 
When my mom called back to discuss this one case and the accusation of a returned check, she was advised that I owed over {$5400.00}, which is incorrect. I do have another account with their office, however, they only had permission to discuss one account with my mother. They broke the Federal Law by telling my mother about another account that they did not have permission to speak to her on. They clearly violated the Federal Debt Collection Act and refuse to close out and mark these two accounts as settled, due to the violation of the law.
Consumer complaint received 2022-08-21
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Santander Consumer USA Holdings Inc. (IL)

SANTANDER CONSUMER XX/XX/2018 amount is {$14000.00}. i have sent FTC report and police report. XXXXXXXX XXXX XXXXXX/XX/2018 {$13000.00}, XXXX XX/XX/2018 {$760.00}
Consumer complaint received 2020-09-18
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (GA)

I moved into this house renting it, was there for 3yrs. never missed or been late for my rent.Getting repairs done was a big issue thru the way you had to email a request and wait to be contacted.on one time I called daily trying to conferm the work order. the company recognize my phone number.they would not answer my call. so I used my daughter phone the call was answered the second ring. I had to clean the house to move in or pay rent at the apartment I was moving from. this place already had my money.first week refrigerator broke, lost all my food.they would not replace.door knob broke, took about 2weeks to fix, toilet broke took almost 6days, air condition broke took 3days to fix, I didn't have a rep for 2years I know of. Finally a rep contacted me during the time the door knob was repaired. I never met him face to face, eventhough I asked to meet with him to discuss somethings that I was facing he told me he lived 1 1/2 hours away.my health started to flair, XXXX, and other symptoms started to surface. well the air condition went out again, this time it was a major fix. this is during summer time very high temps.3rd day a handyman showed up with a very small air condt. from XXXX XXXX or XXXX XXXX iam guessing. it did not cool the house only the living room with 4celing fans and 3 floor fans.without the air Black Mole started to surface by this time XXXX XXXX XXXX  and all kinds of med.i was not on XXXX until I moved here.my renew contract was for XX/XX/2019 XXXX XXXX contacted me to try and get me to renew, he told me please don't turn in my notice he was going to do what ever it took to keep me. I told him it was to late I had been thru too much.he said to me, I understand I'll start to show the house the end of XXXX. I told him that was fine air broke XXXX XXXX and was still not repaired when I moved XXXX
Consumer complaint received 2020-09-18
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. (MA)

I was shocked when I reviewed my credit report and found late payment on XXXX of XXXX and XXXX of XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.