davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (IL)

Asset Acceptance claimed in court on XX/XX/XXXX {$11000.00} ... ... Balance as of XX/XX/XXXX {$3300.00}. 

On behalf of Asset Acceptance, Midland Credit Management ( MCM ) has been garnishing my payroll wages since XX/XX/XXXX. Due to hardship, in XX/XX/XXXX, I filled an appeal against Asset Acceptance and was denied. The Asset Acceptance Representative present in court did not even look at the hardship documents that I brought to court in XX/XX/XXXX. 

Now due to the pandemic, my work hours have been reduced ; being head of household, I called Asset Acceptance to ask if they would tenatively stop the garnishment until my working hours became regular again, and the answer was no. 

Due to the dates listed above, Midland Credit Management ( MCM ), on behalf of Asset Acceptance, has been falsely garnishing my wages according to the statute of limitations on credit card debit ; while in court XX/XX/XXXX, they did not present any accout number, nor did they try to contact me prior to the court date. The Asset Acceptance Rep. forced me to go ahead and sign a document although I informed him that I was already under obligation paying a current garnishment ; and could not afford to pay anything else.
Consumer complaint received 2023-01-28
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. (IN)

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. 

1. Account nameXXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX # ending XXXX XXXX. Account name- XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX # ending XXXX XXXX. Account name- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) # ending XXXX XXXX. Account name- XXXX XXXXXXXX XXXX # unknown XXXX. Account nameXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX # ending XXXX XXXX. Account name- XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  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 and 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 seven years.

15 U.S.C 1681 s-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 2021-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (IN)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2020-08-28
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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (TX)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. I am also aware that the credit bureaus have been given and additional 15 days due to Covid-19 to reply to investigation. That time frame has also pasted. I haven't received any investigation results.
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have attempted to contacted XXXX and XXXX  on multiple occasion to investigate an account with XXXX XXXX which is reporting on my credit report as a charge off account after their initial investigation which was falsely verified as my account by the merchant, I have tried to initiate a second dispute with supporting documentation but every time I call these agencies their computer systems are always down, and I am asked to call back later. I have never conducted any business with the above auto finance company, and with the information, I was able to obtain It appears to be an account that was open fraudulently using an old lost or stolen ID and a previous address of which I have not resided over 3 years. It has been over a year and a half since my initial contact with these agencies and have not been able to accomplish anything thus far. This inaccurate information has severely damaged my credit rating and has caused me to lose out on job opportunities I am overwhelmed and do not know what else to do.
Consumer complaint received 2020-11-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX I sent a dispute letter to Capital One Bank, XXXX and XXXX regarding a collection/charge-off that was opened in XXXX. There are 3 inaccuracies listed on this report. It is well over 30 days and there are still 3 inaccuracies listed on the account and it hasn't been updated or removed.
Consumer complaint received 2020-11-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX I sent a dispute letter to Capital One Bank, XXXX and XXXX  credit bureaus regarding a collection/charge-off that was opened in XXXX. There are 4 inaccuracies on this report. It is well over 30 days and the 4 inaccuracies are still on my account and it still hasn't been updated or removed.
Consumer complaint received 2020-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (TX)

I am a Chase private banking client with Chase Sapphire checking account. Yesterday my family in XXXX used wire transfer to transfer {$5000.00} to my Chase Sapphire checking account. For Chase Sapphire checking account, per Chase policy, there should be no wire transfer fee for either outgoing or incoming wire transfers. Meantime, my family already paid separately the wire transfer fees to XXXX bank, in which they initiated this wire transfer. Therefore, the amount that I should receive in my Chase checking account should be exactly {$5000.00}. However, there was only {$4900.00} deposited into my Chase checking account from this wire transfer. Apparently, Chase charged me {$15.00} hidden fee for this incoming wire transfer. My family further inquired with XXXX bank and was told by XXXX bank that the wire transfer amount that I should receive should be exactly {$5000.00}. XXXX bank confirmed that the missing {$15.00} must be charged by Chase as the receiving bank.

I reported this issue to Chase Private Client customer service. However, Chase representative treated me very impatiently and unprofessionally. She didn't resolve this issue at all. I am very disappointed with your Chase Bank customer service. 

I am escalating this issue to CFPB, and am requesting Chase to immediately post the {$15.00} to my Chase Sapphire Checking account because Chase should NOT charge me this {$15.00} fee at all.
Consumer complaint received 2020-11-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (TX)

I, the consumer, disputed this debt in XX/XX/2020 with XXXX  , XXXX After an investigation, the credit bureau concluded that this account was incorrect, and sent notification to XXXX XXXX XXXX to cease reporting and trying to collect the erroneous account information. Despite notification and removal of the errors by XX/XX/XXXX, XXXX, XXXX, and by extension Dynamic Recovery Solutions has continued to report the erroneous information to other credit bureaus, attempted to collect, and has continued to operate in violation of the Fair Credit Reporting Act, ss611.5Ai. I have submitted this evidence to Dynamic Recovery Solutions to verify the results of the credit bureaus investigation, in addition to the Consumer Finance Protection Bureau.

The account in question is Reference Number : XXXX
Consumer complaint received 2022-01-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (FL)

My mortgage was owned by BBVA/Compass . PNC bought my mortgage. There was an escrow deficiency ( caused by a tax issue ) causing my payments to go up. PNC explained that once I paid the deficiency down to zero, my mortgage payments would return to the normal, lower amount. Through great sacrifice and hard work, I paid down the defiance, despite the current financial conditions. 

PNC can not and will not give an accurate accounting of my mortgage. Their online banking system is not accurate or current. Their customer service reps claim not to have access to my records and claim I can not have contact with escrow department directly. Their customer service representatives do not do the tasks they claim to do on the phone. PNC insists on handling all matters relating to account errors in paper mail only. This causes an undue delay and disconnect. 

I am also subject to unfair late fees in addition to losing my house.
Consumer complaint received 2021-07-15
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. (AR)

I opened a XXXX XXXX credit card on XX/XX/XXXX and have had exceptional payment history, except for three ( 3 ) late payments in a row - XXXX, XXXX, and XXXX of XXXX. This was due to bank processing errors. I submitted a letter to XXXX XXXX from the bank confirming this and they have not removed these late payments from my account.
Consumer complaint received 2022-06-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Your company is furnishing collection accounts on my consumer profile that are not METRO 2 compliant. Provide proof immediately or remove these accounts from my consumer profile in a timely manner as this matter is currently pending litigation.
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (CT)

My car was totaled in XXXX. The insurance company contacted Credit Acceptance corporation to get payoff so they could send the payment for the balance of the car. XXXX XXXX sent payment to Credit Acceptance. The car was paid off but Credit Acceptance continues to report negative information on my credit report. I have called them to ask them to update the report and they told me they don't handle the credit reporting. As of today 's date the information is still inaccurate and the balance is inaccurate. I had Gap insurance to cover the balance but they will not update it.
Consumer complaint received 2020-10-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I have sent disputes every 45 days since XXXX. XXXX  hasn't responded and when I call them they refuse to provide any information. One of the companies I was able to speak with over the phone has said they've requested the urgent to be removed from my report since XXXX and XXXX has refused to respond. I have the email from XXXX executive office stating that it should be deleted and XXXX still hasn't responded. 
Equifax keeps saying an account is verified but when I call the company they say they have XXXX the account out and is no longer able to assist me. I request documentation but hasn't received anything from them. Equifax also refused to respond or update my file. XXXX says the information is updated after receiving information that XXXX has requested it to removed from my credit report and all refuse to.
Consumer complaint received 2020-11-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRIAD FINANCIAL SERVICES, INC. (IN)

I called to explain what was going on and I had been put in Covid protocol for my company and I needed help. I received a XXXX check I didnt know what to do and I was behind I know Im not trying to avoid you all but I was having a hard time with my kids not being in school having to have to buy computers for school I have XXXX including my self to be able to work from home. I didnt know what to do or where to go so I did. I was told by each person I talk THAT HAS NOTHING TO DO WITH THE ME MAAM. Wheres your husband she said I sai my is sick XXXX XXXX XXXX to his feet. She said WELL HE NEED TO GO GET A JOB CAUSE WE NEED OUR MONEY maam. I said maam he cant Im doing what I can to provide for my family. I was in front of my corporate boss they called my job. Having to get computers and food to keep my kids feed and school. I said I cant maam but what about your anything to help us. Its not my fault your an irresponsible parent and got your priorities mixed up but we need our money! You have five days to get out! My boss made me hang up! That was very embarrassing and degrading Im a supervisor at my job. My bosses offered me and my leave to live with her family. If I could afford to get out I would being racially harassed in place my has been chained egged trashed and more! Ive been XXXX  since this call I need help but cant afford it Please HELP US ANYBODY! Im scared
Consumer complaint received 2020-11-20
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. (NJ)

chapter XXXX bankruptcy was in my experian and XXXX credit report in which i disputed and the both told me the item was verified thru XXXX, ,I contacted XXXX and they told me I didnt have a public record for a bankruptcy in there system. Either these 2 credit bureaus lied or they didnt do a through investigation into my disputes either way they are in violation of the FCRA and i demand these bankruptcies be delete from my credit file
Consumer complaint received 2022-08-15
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

They refused to take a cashiers check payment from my bank, drawn from my account and with my name on it, unless I gave them my Social Security number and signed a formal credit application I presented my valid California drivers license as proof of my identity, and it matched the name as payor on the cashiers check. 

Why would I need to fill out a credit application if I was not seeking credit? And why would I have to provide a Social Security number if theyre not running credit? Its not as if the Department of Motor Vehicles has my Social Security number and they have to verify it In order to accept my payment.
Consumer complaint received 2022-07-30
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. (FL)

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. 

XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX 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 instruction.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reporting containing any of the following items of information Any other adverse Item of information, other then records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-28
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)

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. 

XXXX. Account name- XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX ) # ending XXXX XXXX. Account name- XXXX XXXXXXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX ) # ending XXXX XXXX. Account name- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) # ending XXXX XXXX. Account name- XXXX XXXXXXXX XXXX  # unknown XXXX. Account name- XXXX XXXX XXXX XXXX XXXX XXXX XXXX # ending XXXX XXXX. Account name- XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) # 1959 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 and 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 seven years.

15 U.S.C 1681 s-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 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I submitted letters to al three Credit Bureas requesting that the initial alert, security alerts, and fraud alerts be removed from my credit report as they are causing me not to get pre-approved for credit products that I have interest in.
Consumer complaint received 2022-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FULTON FINANCIAL CORPORATION (PA)

Fulton Bank upgraded their mortgage servicing platform XXXX of 2022. My regularly scheduled mortgage is drawn via XXXX on the first of every month and XXXX provided notice that this would only occur on the XXXX of XXXX due to this upgrade. Following the upgrade our regularly scheduled principal curtailment was not pulled as part of the XXXX on the XXXX of XXXX. We contacted Fulton and were told this would be an automatic payment the following week as the system finished being set up. The curtailment payment was not withdrawn via XXXX the following week as we were told. We again contacted Fulton Bank and requested they process this payment. We were told that they were unable to assist us with this and we would need to come in to sign an External account agreement form, which we had previously done 2 years ago. We asked to speak to a manager who stated they would process the curtailment payment. We stated multiple times that this curtailment was to be backdated to the 1st of the month to match the original payment. We were told this would be backdated. Once we received our statement for the month, the curtailment payment was not backdated to the first of the month. We have attempted to call Fulton Bank, for the 3rd time to resolve the on going issue, and waiting on the phone over XXXX minutes to be assisted in fixing this issue yet again. Fulton Bank and Fulton Mortgage have been nothing but a problem throughout the entire mortgage process. We will be removing all of our personal business with Fulton Bank after this even despite having been employed by Fulton Bank for over 6 years.
Consumer complaint received 2021-07-15
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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (MA)

DEAR SANTANDER CONSUMER USA & ALL CRA 'S ; I've attempted several times to ratify the issue with the Santander consumer usa and credit bureaus and they still reporting inaccurate, unverifiable information and misleading. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid - How is that even possible? If you see the attachments you will notice that the account status was never updated, inconsistent with payment history and they've failed to provide detailed information about this account such as transaction history to see the breakdown of the payment and how it was applied. What is the 1st dates of delinquency ; why didn't dates of last active. Well, it's impossible that thi account can be justified as accurate or even verifiable under the consumer laws especially section 609. SORRY FOR SO MANY INACCURACIES, INCONSISTENCIES, MISLEADING AND INCOMPLETE INFORMATION AND XXXX.
Consumer complaint received 2023-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NV)

I have started receiving monthly calls stating that I need to contact Mr Cooper even though I have not been late on any payments. They most recently left a voicemail saying that I needed to contact them within 24 hours regarding my account ( which was in no way delinquent ) and provided a number which didnt even work causing considerable panic and stress on us. They indicated that they had been instructed to contact us by the loan holder and refused to stop making these un necessary harassing calls.