davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Waypoint Resource Group, LLC (MN)

On XX/XX/2022 at XXXX cst, I received a call from this company. They were asking for someone who I don't even know. When I explained to them that I do not know who this person is and that I've had this phone number for five years now, instead of resolving the issue or informing me that they'll update their information, they HUNG UP.
Consumer complaint received 2024-11-27
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Amsher Collection Services, Inc. (IN)

looked at my report back on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts
Consumer complaint received 2019-10-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IN)

I have had nothing but problems with Carrington Mortgage dating back to XX/XX/XXXX. My husband lost his job in XX/XX/XXXX and we struggled to make our XX/XX/XXXX house payment. Called Carrington for help only to get the response you are not currently late so we cant help you. And so the process begins. After missing a few payments, we filed for a loan modification ( nightmare ). It took over 6 months to get the modification approved and meanwhile we fell further behind in our payments. I had to do the modification twice in order for it to be approved. I called Carrington every week during this process and received different answers every time I called. Foreclosure notices began arriving when I was told that wouldnt happen during the modification process. Again, different answer whenever I called. Modification finally got approved in XX/XX/XXXX but it has taken Carrington over 3 months to complete the process on their end. Meanwhile I have made our new payment amounts, per our approved modification, for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX on time every month. Yesterday, XX/XX/XXXX I received a foreclosure notice for failure to make the past 3 months payments. I called Carrington and was assured my mortgage was current and to disregard the letter. I then asked if they reported me as late to the credit bureaus. I was informed it was not reported as late. After hanging up the phone I checked the credit report and sure enough they did report it as late for the last 3 months. I immediately called back and the person I spoke to said it was reported as late because I was late-bull!! He said I needed to write a letter to their customer research department asking them in investigate it. I said why should I have to do that when I am not late, you ( Carrington ) need to fix it not me. He ignored all my questions and just kept trying to give me a fax number. Not getting anywhere with him I hung up and called again asking to speak to a supervisor. I was put on hold for several minutes and the same person came back on the phone and told me there was nothing they could do by phone. I am fuming at this point and insisted on speaking to the supervisor. Not sure who I actually got transferred to but she said they could fix it but she would need me to fax my credit report. I said you can just easily pull it up yourself and she said I cant do that. I said youre a mortgage company you pull credit reports all the time. She said she couldnt help unless I fax it. So in just 1 hour I received 4 different responses from 4 different people! This has been the way its been for the past year, nothing but problems and hassled from Carrington employees.
Consumer complaint received 2019-10-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc. (TX)

XXXX XXXX XXXX 's XXXX XXXX XXXX XXXX, TX Re : Conns Appliance debt from fraud XXXX, TX I'm being sued from debt brought on by being a victim of identity theft back in XX/XX/XXXX-XX/XX/XXXX. My estranged half sister stole my drivers license and social security card. Her name is XXXX XXXX XXXX, XXXX, born XX/XX/XXXX, she has a long XXXX history of XXXX  and XXXX XXXX and XXXX  and a long long XXXX XXXX. When she moved out of my father 's house she stole many other items. To which the authorities where we lived came out to deal with on various occasions. I've already spoke to Conns when I found out on my credit report in XX/XX/XXXX and was receiving notices as a result and they agreed they would take the information and submit to fraud department. I even put fraud alert on my cr reports as a result. Received another call about 45 days from XXXX at Conns and was told they would charge it off as fraud. They couldn't authenticate it was me that took out line of credit for the account. On all consumer reports they took the debt off and then after about 8 months it came back. I've since made numerous calls & messages to Mr. XXXX 's office and no return call. There needs to be a further investigation due to the lawsuit they have against me of how info has been obtained that proves I applied for this account. I spoke to all cr agencies and disputed the information proving my sister 's background resulting in having the debt removed.
Consumer complaint received 2019-10-27
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: EQUIFAX, INC. (OH)

My only name should appear as XXXX XXXX XXXX my SS XXXX my DOB is XXXX please remove any variation on my name and SS #. 
This is the 2nd or 3rd time I have file a complaint .I recently started looking over my credit report and I found accounts and addresses that I do not live at on my credit report. I have requested the following companies send me legal documents that verify name address who, what, where, why, when where these accounts opened. I didnt receive any response back. The following account are not mine : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX # XXXX. 
There is a bogus SS number on my XXXX report ( XXXX ) XXXX XXXX has These are the unknown addresses on my credit report : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I was told to file a police report and a FTC report.
Consumer complaint received 2023-11-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (NC)

I noticed on XX/XX/23 that my account with Laurel Road was restricted. I called the number provided and the representative advised that it was being investigated for fraud. I didnt understand why, so I sent a follow up email that same day. Since then I have continuously been ignored or advised it is still under investigation. They advised they closed my account and then asked for proof from my checking account that the funds were deposited to Laurel Road. I sent this as requested and still nothing has been done. My account is still restricted and I have no access to my money they have.
Consumer complaint received 2021-07-06
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: CITIBANK, N.A. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 160 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I was looking at car dealerships online, multiple ones. XXXX XXXX ran my credit report without my authorization. I have spoke with XXXX the finance manager at XXXX XXXX and he was going to research what happened. He never followed up with me. I contacted Experian and they refuse to help me stating I gave permission for the hard inquiry when I did not given authorization to any company to check my credit report and I want the hard inquiry off my credit report. I feel like I am getting the run around from XXXX XXXX and experian.
Consumer complaint received 2022-11-18
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Went into forbearance in XXXX. XXXX due to unemployment from Covid. Submitted application packet 1 for loan modification options to begin repayment in XXXX XXXX. Called so many times. Was told packet was lost in mail. Submitted 2nd packet in XX/XX/XXXX. Never heard back. Could not log into account, did not receive any statements. Every time I call, it takes at least an hour. Called my XXXX  XXXX XXXX XXXX about it. She said XXXX have a partial payment plan option. To ask for that. I would begin regular mortgage payments and begin scheduled payments on the past due amount from the forbearance period. They ignored her emails. She was persistent and was eventually told they do not participate in the program. I was told they received the packet in XX/XX/XXXX but it had expired. I called often and asked for a system. I was asked again to send another loan modification application. They are like 15 pages long. I told them no. I started making double payments in XX/XX/XXXX. The loan is still behind. XXXX from the chairman office at citizen called after hearing my complaints. She sent me papers to fill out, and I scanned and emailed them that say. This was in early XXXX. I mailed my XXXX, recent paystubs, hardship letter for why I went into forbearance in XXXX. Two weeks later I was sent a letter saying they needed another letter and recent paystubs. I literally had gotten paid that day. I emailed it in. This week I got a call from XXXX in the office of the chairman. She said she is closing my case because it seems like things are okay now. I told her I had gotten no response from loss mitigation. She said it takes them 30 days or so from the date of the packet. I told her it had been 30 days. She said she couldnt help. Loss mitigation needs to contact me, I told her I have been making double payments since XXXX and I need to see a statement. I was told there are no statements when in loss mitigation. I was about XXXX behind on payments. It is currently around XXXX by my calculations. I sent an email requesting they do not close my case as it is not resolved and that Id line them to communicate through legal representation from this point forward. I have not hired a lawyer. XXXX emailed today asking for my attorneys contact info. I have not heard anything from loss mitigation still. I guess I am going to waste money on hiring a lawyer instead of paying the mortgage.
Consumer complaint received 2024-12-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc. (GA)

I am writing to formally file a complaint against XXXX XXXX XXXX XXXX regarding a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). This company improperly reopened a collection account on my credit report that had been marked as closed, without a lawful basis. This action has caused unnecessary distress and potential harm to my creditworthiness. 

Details of the Incident : XXXX. The collection account managed by XXXX XXXX XXXX XXXX  was marked as closed on or around XX/XX/XXXX. 
XXXX. On XX/XX/XXXX, almost a year later, XXXX XXXX XXXXXXXX XXXX reopened the account and reported new activity, despite the debt not being sold, transferred, or otherwise reactivated through my actions. 
XXXX. I was not provided any prior notification or explanation for reopening this account, which I believe to be improper and potentially unlawful. 

Violations : FCRA : XXXX inaccurate and misleading information on my credit report. 
FDCPA : Engaging in deceptive or unfair practices by altering the status of a closed account without a valid or lawful reason. 

Impact : The reopening of this account has negatively impacted my XXXX XXXX, caused unnecessary confusion about the status of the alleged debt, and resulted in emotional distress. I have made no agreements or transactions that would justify this action. 

Additionally, I am considering legal action for these violations, and I would appreciate your guidance on how to proceed. 

I have attached copies of my credit report showing the changes in the account status and any relevant correspondence with XXXX XXXX XXXX XXXX. Please let me know if additional information is required. 

Thank you for your time and assistance. I trust that your investigation will help resolve this matter and hold XXXX XXXX XXXXXXXX XXXX accountable for their actions.
Consumer complaint received 2024-11-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pressler & Pressler, LLP (NJ)

On XX/XX/year> I called Pressler, Felt and Warshaw regarding a notice I received in the mail. A person answered the phone and told me they were not qualified to speak to me about the situation and that they will transfer me to someone who can. I was transferred to a woman who I began speaking with. I tried to set up payments for {$50.00} which was rejected. She put me on hold and came back and said she can do {$250.00} but I told her I couldnt do that but negotiated {$100.00}. I did also mention that I saw there is a website where I can pay which she said will not work because I havent made an arrangement with her yet. She then became very stern and said that if I cant pay {$250.00} a month I cant pay anything at all because she is not agreeing to my terms. I asked her why she would rather me pay nothing than agree to her arrangement and she said that i can call back at another time. I asked if i would be penalized for not making payments and waiting and she wouldnt answer me and got more and more irate and that she wasnt allowed to tell me anything else at this time. I asked if legal action would be taken against me or if I would be penalized for waiting and she said she was not allowed to tell me. I then thanked her and ended the call. After speaking with her I set up an account and am indeed able to make payments online. This person was extremely rude and evasive which leads me to believe this is not a credible firm and that their letters were used for harassment purposes.
Consumer complaint received 2019-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC (NV)

on XX/XX/XXXX I was involved in an auto accident that as a result of the negligence of the other driver i was injured and my car totaled. Prior to that I was never!! late with payments. The insurance company paid more than XXXX to American Acceptance Credit corporation for my can o ( they are the finance company ) I do also have an attorney and we are suing the driver. I have constantly communicated this with ACA and they have now turned into the most aggressive collections agency ever. rude, harassing to the point I had to change my contact phone number on the account to a dummy number because they would call 5-8 times per day! My attorney got involved and the amount is being included in the suit, however American Credit now reports the payments 3 times per month on my credit report and un willing to negotiate any terms other than 30 days then listing as settled. This is a blatant attempt to extort. My score decreases ore than 22 points each time they post this and now its so low I cant get another car. It took me 3 months to have the update the account as they continued to report late and the outstanding bal was still more than XXXX even after posting the payment from insurance XX/XX/XXXX! This is extortion, in accurate, unprofessional and now I have to wait for my settlement to pay off all debit and hope for a huge score increase to buy a new car!
Consumer complaint received 2019-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (MA)

On XXXX, I received an email notification from my credit bureau monitoring service of a negative reported event on my credit report from Citicards. I  immediately logged into my account and paid the late payment, and directly called Citicard. 
I have not knowingly requested paperless statement enrollment for my account. My expectation is to receive a mailed copy of my statement as well as a formal notification if I a payment is overdue. This did not occur on this account. I spoke to a customer service representative named XXXX on XX/XX/XXXX, who explained that my account has been enrolled in paperless statements and may have been done so inadvertently during the transition from XXXX to CITI as the Costco credit provider. 
I did not receive anything in the mail, email, or text notification that my payment was overdue. I called again on XX/XX/XXXX and spoke to a supervisor named XXXX who also confirmed that no notification or call was made to me regarding the overdue notification. This is an error in communication from Citicards system, which is a term of the credit agreement. There is no record of any notification sent to me via email, and I was not made aware until I received a negative reported event from the credit bureau. Please refer back to section 3 of the  enclosed credit card agreement guide. I was not made aware of the late fees, penalties and accumulating interest as stipulated in the credit card agreement guide. This was not communicated in either paperless via email or paper mailing, which is part of my rights as a consumer user of this card. This was verified by XXXX on XX/XX/XXXX who noted that there was no notification record in your system. Sections 3, 5, 7, and 14 were all violated by not communicating the late status as well as not providing an explanation regarding the investigations previously submitted upon the negatively reported item.

I have made several attempts to have this removed and it is a violation of the communication terms stipulated in the credit card agreement guide. It has negatively impacted all three of my credit bureaus reports, and my credit score. In light of the lack of communication regarding my account, please remove this negatively reported item from all three credit bureaus and provide a written copy of the removal mailed to me at the address above ; or I will reserve the right to pursue legal action as well as file a complaint with the Consumer Financial Protection Bureau. 
Thank you for your prompt attention in resolving this item.
Consumer complaint received 2019-10-26
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. (NV)

on XX/XX/XXXX I was involved in an auto accident that as a result of the negligence of the other driver i was injured and my car totaled. Prior to that I was never!! late with payments. The insurance company paid more than XXXX to XXXX XXXX XXXX XXXX for my can o ( they are the finance company ) I do also have an attorney and we are suing the driver. I have constantly communicated this with XXXX and they have now turned into the most aggressive collections agency ever. rude, harassing to the point I had to change my contact phone number on the account to a dummy number because they would call 5-8 times per day! My attorney got involved and the amount is being included in the suit, however XXXX XXXX now reports the payments 3 times per month on my credit report and un willing to negotiate any terms other than 30 days then listing as settled. This is a blatant attempt to extort. My score decreases ore than 22 points each time they post this and now its so low I cant get another car. It took me 3 months to have the update the account as they continued to report late and the outstanding bal was still more than XXXX even after posting the payment from insurance XX/XX/XXXX! This is extortion, in accurate, unprofessional and now I have to wait for my settlement to pay off all debit and hope for a huge score increase to buy a new car!
Consumer complaint received 2021-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Schrier, Tolin and Wagman, LLC (MD)

Schrier Tolin & Wagman clients are reporting inaccurate information about me on my credit report i have requested validation and they sent me copies off a loan application with different account # s as to what being reported different loan amount different loan type every piece of validation supplied was incorrect and invalid
Consumer complaint received 2019-10-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OH)

I consolidated my loans in XX/XX/XXXX to the Public Service Loan Forgiveness program. I have 2 letters from XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX stating I chose the Income Contingent payment plan - which is the correct plan.Fed Loan is not counting I filed a complaint and had my case " escalated '' and they are still not counting the payments made from XX/XX/XXXX - XX/XX/XXXX. I have documentation of the payments made and a letter stating my payments would start XX/XX/XXXX. 
I received a letter from Fedloan regarding my case and they still refuse to accept those payments. 
I have documentation of all my payments made and correspondence between me and the student loan companies for the past 10 years.