davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

On XX/XX/XXXX I submitted a complaint about midland funding trying to collect a debt from a XXXX XXXX  account in which I know nothing about. They provided a statement with a balance showing XXXX which first of all isnt mine but doesnt even match the amount they are attempting to collect which is XXXX which is what was reported unjustly on my credit report. I am attaching the letter and statement they provided. Charges on this card need to be proven in addition who was paying this credit card. Is there a copy of a payment and if so by whom at any point this account was opened.
Consumer complaint received 2019-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

This is my second complaint through your system with Capital One. My income has changed and prospects are good and I have been making payments - granted less than the amount due but making payments to honor my responsibility and yet Capital One has charged off my account like I haven't made a payment in months. I have gone through this with my other cards, namely XXXX, and they did not do a charge off in fact, I was able to get back on track with them and still have an active account.
Consumer complaint received 2019-03-10
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. (CA)

In XXXX of 2018, the account in dispute is inaccurately showing there is a late payment when this account is in perfect payment history. I have tried to request assistance from said company and they have referred me to each credit bureau who has failed to correct this inaccurate information that is on this account. I am now requesting the help of the Consumer Financial Protection Bureau to hopefully get this corrected and expedited on my credit reports. I appreciate any assistance in advance and thank you for your time.
Consumer complaint received 2020-12-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (AZ)

On XX/XX/2020 I began a mortgage refinance application with Amerisave ( The agents name is XXXX XXXX ). XXXX told me ( a ) they will close the loan within one month, but likely within three weeks, ( b ) I wouldn't need to provide many documents at all, ( c ) XXXX also told me that she was able to wave the appraisal fee during our phone conversation, and ( d ) during the phone discussion she provided me with a loan quote, by which I agreed to move forward with the refinance application. She later emailed me with the rate quote but did not lock the rate. Amerisave required me to pay a fee of {$500.00} for 'loan processing ', which I paid at that time.

Over the next two months Amerisave continued to ask me for more and more documents every day. As soon as I uploaded the documents there were new document requested. On several occasions I asked XXXX about the status of the loan and that I wanted to lock the rate ; she repeatedly told me they were backed up and the rate couldn't be locked until after title work was completed. 

On XX/XX/XXXX I became suspicious about Amerisave, because everything they had promised me did not happen. I started a refinance with another mortgage company at that time, and over the next 30 days the new refinance company did everything they had promised and is now ready to close on my refinance loan. During this entire time I continued to work with Amerisave and I requested on several occasions for them to lock my rate and/or provide me with a good faith estimate or formal quote. On each occasion XXXX failed to do any of the above. 

It is now XX/XX/XXXX ( 4.5 months after my initial application with Amerisave ).

1. they have totally failed to perform, 2. they have all my financial information, 3. they charged me {$500.00} for application fee.

It is my opinion that Amerisave is a fraudulent company. It appears they are in the business of charging potential customers the amount of {$500.00} and that is their goal. If my suspicion is true, then I am very concerned about what they will do with my personal information because they have all my financial information at this point in time.
Consumer complaint received 2018-12-27
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: Nelnet, Inc. (AZ)

I have two of the same duplicate accounts reporting on my credit for student loans. One is reporting under Nelnet while the other is reporting under US Dept of Education. Mind you I have never attended college in life nor applied for federal student loans.
Consumer complaint received 2019-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have been trying for over a year to get someone to help me regarding removing this inaccurate information from my credit reports. I have a Bankruptcy on my XXXX, XXXX and Transunion credit reports that was dismissed and never discharged because I never went to court for the judgement because I found a job before I had to file bankruptcy so I withdrew my request for the court to begin an active bankruptcy. I have written letters to XXXX Bankruptcy Court numerous times only for them to not answer my certified mail even after I paid for them an envelope to send me the information to be corrected. All 3 credit bureaus claim to have verified the information with XXXX Bankruotcy Court but no one has sent me proof or contract or court documents of an active bankruptcy because one simply does not exist. All copies of the letters that I sent and dates are attached for proof. Please I am begging to remove this inaccuracy from my credit report. I do not wish to file court proceedings against XXXX, XXXX, and Transunion for reporting inaccurate information that is a violation of my rights as a consumer. Please remove Bankruptcy from my credit report within 15 days according to FCRA.
Consumer complaint received 2019-02-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (OK)

Keeps calling asking for someone whom I have never heard of. I have asked multiple times to stop calling and told them repeatedly they have the wrong number. Last call XX/XX/19 at XXXX XXXX  central time. This is 2 times today I have spoken to them. The are calling to collect payment from a XXXX XXXX   whom Im not associated with in the amount of XXXX. The system keeps " glitching '' when I ask to be removed from the call list.
Consumer complaint received 2019-03-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (OH)

I opened up a credit card to finance furniture at XXXX XXXX XXXX. They finance through Synchrony Bank. They offered so many months with no interest to pay off the amount. The first time I paid it off with no problem. The second time I finance through them I was making steady payments like before but had a lot going on at the time and forgot about the deadline. I called them to see when my time frame for no interest was up, and they told me it was up two weeks ago, and my next payment would have accrued interest. 
I asked the lady could I pay the amount I owed without the accrued interest I did not realize that the time was up and I had a lot of thing going on at that time. She said there was nothing they could do. This was in early XX/XX/XXXX, I spoke with them twice in XXXX before the holidays. I called again two weeks later in XXXX and they told me I should have called two weeks ago and they could have helped me it was too late. I spoke with XXXX, not sure who I spoke with the first time but it sounded like XXXX. The total I owed without interest was XXXX the total interest added to the payment was XXXX. They wanted me to pay XXXX. 

I spoke with Synchrony Bank again on XX/XX/XXXX and XX/XX/XXXX. I spoke with XXXX and each time I called they claimed they spoke to a manager including this time and they said they would not remove the interest so that I could just pay off the amount I owed. Since then I made a payment of {$150.00} in XXXX. The total interest in XXXX is XXXX. The amount I owed to date is XXXX. This is without the payment I will make in XX/XX/XXXX. 

These finance companies prey on those who may need to establish their credit by offering no payment for a certain amount of time but they get over when they charge an interest rate that will could put you in debt. The offer seems good at the time but in the end, it is not worth it.
Consumer complaint received 2019-03-10
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. (FL)

I recently submitted a request for investigation of several accounts, which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. The other bureaus have already verified all of these fraudulent accounts and has removed that account. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. 

If you had investigated properly, rather than use your XXXX system, you would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable. 

Additionally, the following accounts do not belong to me and have been removed by the other credit bureaus and deemed fraudulent : 1.XXXX  # XXXX 2. XXXX XXXX # XXXX 3. XXXX XXXX XXXX # XXXX 4. XXXX XXXX XXXX # XXXX 5. XXXX XXXX #   XXXX If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. XXXX  and XXXX refuse to allow me to dispute my accounts online anymore. 

I look forward to an expedient resolution of this matter, Sincerely, XXXX XXXX
Consumer complaint received 2022-09-19
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. (MI)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TN)

I have been trying for over a year to get someone to help me regarding removing this inaccurate information from my credit reports. I have a Bankruptcy on my XXXX, Experian and XXXX credit reports that was dismissed and never discharged because I never went to court for the judgement because I found a job before I had to file bankruptcy so I withdrew my request for the court to begin an active bankruptcy. I have written letters to Tennessee Bankruptcy Court numerous times only for them to not answer my certified mail even after I paid for them an envelope to send me the information to be corrected. All 3 credit bureaus claim to have verified the information with Tennessee Bankruotcy Court but no one has sent me proof or contract or court documents of an active bankruptcy because one simply does not exist. All copies of the letters that I sent and dates are attached for proof. Please I am begging to remove this inaccuracy from my credit report. I do not wish to file court proceedings against XXXX, Experian, and XXXX  for reporting inaccurate information that is a violation of my rights as a consumer. Please remove Bankruptcy from my credit report within 15 days according to FCRA.
Consumer complaint received 2021-01-02
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My XXXX claims from the bank of america prepaid edd card services were stolen in entiriety totalling in {$12000.00}. I have exhausted all efforts to obtain the money from their claims department and custoemr servicr which never answers or leaves me on hold for 3-4 hrs at a time. They have also made false statements against their policies. i am too the point that im going to be taking this to court if i dont get my reimbursement. its been since XXXX i believe when i first dicsovered this and made a claim. they supposedly fid their investigation in XXXX and early XXXX i never received correspondence but obviously was not found to be of any fault because i wasnt and can easily prove it. They literally closed my former account in order to cover this mistake up i believe and said they cant send me my statements from that card account now. Fraaud is ridiculous with this company.
Consumer complaint received 2019-03-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Eagle Financial Services, Inc. (OH)

In XX/XX/XXXX I became unable to make my monthly payments of {$210.00} as per the loan agreement. I was contacted by the company by mail numerous times with options to make the account current. I offered to settle the account for a lesser amount but they have refused. I have asked for a lower interest rate and smaller payment and they have refused. on XX/XX/XXXX, they filed a civil suit in XXXX County, Ohio small claims court. They told me that the account would have to be charged off for at least a year before considering a settlement of less then owed. The account went 4 months past due and civil suit filed. This is contradicting as to if they sue you after 4 months, then how can you be charged off a year before considering a settlement amount. These loans carry a high interest rate as where you are set up for failure to repay. Why bother sending me letters if they wont agree to nothing.
Consumer complaint received 2019-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

My mortgage was transferred from XXXX to Mr Cooper at the end of XXXX of XXXX. 

The mortgage service change resulted in two issues : 1 ) Mr. Cooper recorded a payment on XX/XX/XXXX, but did not include this interest in the XXXX for XXXX. My XXXX XXXX is now incorrect by over $ 1500+ in interest. I need a correct XXXX to file my taxes. 

2 ) When transferring the loan, Mr. Cooper incorrectly applied the XXXX payment twice ( on XX/XX/XXXX and XX/XX/XXXX ). I noticed this in XXXX and contacted Mr. Cooper via phone, however they claimed " Everything is correct ''. I received a letter dated XX/XX/XXXX from Mr. Cooper claiming I have a negative escrow balance for taxes and insurance paid on my behalf. This is incorrect, as I have never had an escrow account with my mortgage nor have they paid any taxes or insurance for me. 

Mr. Cooper is now demanding I pay an extra {$180.00} for the next twelve months to correct their mistake. 

I called Mr. Cooper once again on XX/XX/XXXX, and was told they would review my account and get back to me within 10 days. It is now XX/XX/XXXX and I have yet to hear any response. Online, my account still reflects an escrow balance. 

Please see attached letter from Mr. Cooper, call logs, account activity, and screenshot from Mr. Coopers website showing I do not have an escrow account. 

I have always paid my mortgage on time, and I do not have an escrow. I can not afford to pay an extra {$180.00} for the next year.
Consumer complaint received 2019-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

An account in my credit is showing late, this account has never been late, this inacurate reporting has affected my ability to get funding and has made me pay higher interes. 
Please remove this late in my credit report.
Consumer complaint received 2019-03-09
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: BB&T CORPORATION (TX)

On XX/XX/2019 I sent a letter to this company requesting removal of their inquiry on my credit report. I have no knowledge of applying for this company. I asked them to please remove the inquiry unless they have my permissible written copy with my hand writing as per the FCRA. This company is NOT being complaint with the FCRA, they told me they would not remove the inquire. This is a violation.
Consumer complaint received 2019-03-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (OH)

To Whom It May Concern, The reason for my dispute is HUNTER WARFIELD INC # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, HUNTER WARFIELD INC. failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) &  FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) HUNTER WARFIELD INC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation HUNTER WARFIELD INC is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 O.R.C.Taking assignment of debts Section C paragraph 3. ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where HUNTER WARFIELD INC is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. HUNTER WARFIELD INC. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.
Consumer complaint received 2019-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

While looking through my personal information through Experian I noticed that there were two mistaken addresses. I filed a dispute but when I check to see the results they werent removed. Ive never lived at those addresses and I do not receive mail there. They should have been removed. I did file another dispute and Im waiting on those results.
Consumer complaint received 2019-03-09
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Reliant Financial Corporation (IL)

XXXX XXXX,2019 reliant financial has a tow truck man repossessed my car at my home address the loan should be closed on my credit report now since they have there vehicle back they are a shady company I was paying XXXX a month not the XXXX that the loan was for they raised that price 10 days after I got the vehicle anyways they had the car repossessed they have the car now I want it to say closed on my credit report thank you