davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-27
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. (CA)

Experian reported a XXXX XXXX  acoount in collections ( my name ) but I have never had XXXX. I learned that Experian has various incorrect addresses and spellings of my last name however Experian does not allow that misinformation to be flagged on line. Instead it provides XXXX but that number does *not* lead to any person. Instead its voice prompts all redirect back to the web site or offer to sell monitoring. So exactly how can consumers clear up problems when the directions to fix are all fake? More importantly, what is CFPB doing in near real time to protect consumers in such an easy-to-police situation? Clearly Experian is not interested in cleaning up bad information, otherwise they would provide a phone number that leads to a real person. Furthermore, Experian has all kinds of phone numbers that XXXX reveals however are they really Experian or clever scams to get ss numbers from frustrated consumers trying to get through to Experian? Furthermore when calling the 'real ' Experian number on my cell which is listed in my credit score, they state they attempt to vett calls but then " please say your ss number '' so are they vetting, or merely creating a way for fraudsters to copy this automated screening and get ss numbers? Self serving and no oversight seem to be rampant in financial service and CFPB seems deaf, or impotent, to it all.
Consumer complaint received 2019-03-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LendingPoint Holdings LLC (NJ)

My name is XXXX XXXX I have a loan out with Lending Point now its with XXXX XXXX XXXX XXXX XXXX Texas I been trying to get this collection agency to give me a statement on my account I have never received any debt collection from this company or the original loan company it is on my credit report I have tried to pay this loan Ive been sick with XXXX and trying to resolve this and debt Collection company will not release my information I have filed XXXX XXXX XXXX and report the FCC commission and trying to file a small claims with the state of New Jersey to try to get this paid can you please help me XXXX
Consumer complaint received 2019-03-27
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriHome Mortgage Company, LLC (GA)

On XX/XX/XXXX sold and closed on our home at XXXX XXXX XXXX XXXX XXXX Ga XXXX. We put money in our escrow account every month to pay for taxes and insurance, and it has faithfully been paid by Amerihome Mortgage company. On XX/XX/XXXX XXXX sent an electric payment to XXXX County Tax Comissioner to pay for the taxes, and on the same day they stopped the payment. In XX/XX/XXXX we get a letter from Tax Commissioner saying if we dont pay the taxes for this property, they were putting a lien on it, that the taxes have not been paid and we are responsible, plus late fees And we had to pay a {$35.00} fee because Amerihome put a stop payment on their check. We have spoken to Amerihome 3 times now and they have mailed the check on XX/XX/XXXX and that they couldnt help that the mail havent delivered this check, it was now out of their hands. We have paid {$2200.00} to the Tax office and called Amerihome today asking where our check was and today the supervisor XXXX, said that we will not be reimbursed for the {$35.00} where they stopped the electronic payment, nor would we be reimbursed the {$43.00} late fees. We want our money back. XXXX from Amerihome badge number XXXX even told us we had been lied to that the check had never been mailed out, that she would expidite the check to us. That was on XX/XX/XXXX. Today XXXX the Supervisor said that she will stop the check and it will take 7 days to stop the XX/XX/XXXX check and then 7-15 more days after the first 7 days to stop it for it to get here. We are being lied to, it takes us 30 minutes to an hour to tell each person we are put on the phone with the story. We have changed our phone number with these people 3 times to the right number and yet when we call in and tell them the right number, they dont have our account under that number. I feel we should either get the {$35.00}, and the {$43.00} from Amerihome or Tax Commisioner. We were told by the tax commissioners office if we didnt pay this that they would ruin our credit for up to 7 years.
Consumer complaint received 2019-03-27
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. (AL)

TransUnion continues to report a late payments for XXXX XXXX  Acct # : XXXX. TransUnion is reporting late payments for XXXX through XXXX of XXXX, XXXX and XXXX of XXXX and XXXX, XXXX and XXXX of XXXX that never happened. I am not sure if TransUnion has somehow merged my information with someone with a similar name or birthdate that also happens to have an account with XXXX XXXX, but the late payments that continue to be reported by XXXX XXXX are erroneous and damaging to my credit scores. This account is currently closed and has been for years when this account was open, payments were always made on time. This account has never been paid late and I have requested on multiple occasions ( in writing ) that TransUnion make the necessary corrections to their records, with no resolution. This erroneously negative information has caused far-reaching consequences to my credit scores as it pertains to credit that has been extended to me or oftentimes denied.
Consumer complaint received 2019-03-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: COAST PROFESSIONAL INC (AZ)

We are a business. Coast Professional Inc requested a verification of employment for an individual. We informed them that all VOE require a hand written or electronic signiture from the individual they are requesting information about. They faxed a VOE without any signature. We informed them it was incomplete. Over the course of 2 days we continued to receive multiple calls ( at least 6 ) where the same female harassed us requesting information because " I'm in NY and can't get a signature from the individual '' and " He won't return my call, can you just put him on the phone so I can talk to him? '' and " Can you just get the signature for me? '' as well as several other obvious tactics to maneuver around our policy. The calls have continued even though we have told her we can not assist her without a signature. This is harassment and needs to stop.
Consumer complaint received 2019-02-05
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: SCA Collections, Inc. (SC)

I reached out to SCA COLLECTIONS INC because the entered an erroneous entry on my credit file. On XX/XX/XXXX, I sent them a letter demanding that they verify and validate the debt. I have received no such verification or validation and they are still illegally reporting on my credit report. I have contacted them by email and by certified mail ( see attachment ) and they have not responded or attempted to contact me. This is a violation on FDCPA, by law they have 30 days upon request to produce and verify ownership in the form of a legally binding document to show proof that they can legally collect on this debt. I do not own this debt and I have no knowledge of it. Please remove this entry from my credit file per FDCPA or I will seek payment as outlined by law for the multiple breaches of FDCPA that are due to me per FDCPA. Please find below the original letter sent, along with the certified mail receipt.
Consumer complaint received 2019-03-27
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have not given permission to any original creditor to sell my debt to a third party. I have XXXX XXXX XXXX send me letters to collect on a debt being reported by XXXX XXXX as a collection account that was originally owned by XXXX XXXX. I also have XXXX XXXX XXXX and Portfolio Recovery Associates reporting collections accounts that I dont owe and havent given permission for anyone to contact me sell any debt or anything else.
Consumer complaint received 2019-03-27
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: Advanced Collection Bureau, Inc. (FL)

I have not given permission to any original creditor to sell my debt to a third party. I have XXXX XXXX XXXX send me letters to collect on a debt being reported by XXXX XXXX as a collection account that was originally owned by XXXX XXXX. I also have Advanced Collection Bureau and XXXX XXXX XXXX reporting collections accounts that I dont owe and havent given permission for anyone to contact me sell any debt or anything else.
Consumer complaint received 2019-02-05
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. (CA)

I paid to put a freeze on my data for all four credit bureaus several years ago prior to the major security breach. The only one I have a problem with is Experian. I am trying to lift my freeze to apply for credit and they won't recognize me to do it online. I have all the data and the pin that they gave me originally. The website is telling me I have to send all my sensitive information, including my original social security card by mail to them at their XXXX Texas location! When I call the phone number puts me through a series of prompts and then disconnects me. Can you help?
Consumer complaint received 2019-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

I am a cardmember of AMEX for 21 years. I have 2 Business Platinum products ; one of which I was recently solicited for with a points offer that was miscommunicated and misrepresented ; thus I wrote to the CEO of AMEX, XXXX XXXX, as I was getting nowhere with AMEX Membership Rewards. I was contacted by AMEX Executive offices after sending this letter ( fyi there is no way to phone and XXXX out to a human at the AMEX Executive offices after the initial contact ). While examining my complaint, the AMEX Executive offices somehow put my Membership Rewards Account in a " review status '' which has locked my rewards from being utilized for six to eight weeks. AMEX Customer Service can not unlock ; AMEX Membership Rewards can not unlock. I have spoken to numerous supervisors. I have spent a good 10+ hours of my time this week trying to escalate this issue. I opened report XXXX with Customer Service, I have emailed the executive offices ( XXXX XXXX - who was assigned to me ), phoned and left messages for this individual ( as you can not zero out ) ; as well as put a second written correspondence in the mail to XXXX XXXX. Still no resolution. AMEX is holding my rewards points hostage and I can not utilize them. Meanwhile, I have a Mother that is ill and I am trying to book a flight to see her ; but can not utilize my points. This is unacceptable service by AMEX,  specifically for a cardholder of 21 years with 2 Business Platinum products. Please seek resolution on my behalf. It is very possible that other cardholders have experienced same.
Consumer complaint received 2019-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX through XX/XX/2018, I contacted all three credit reporting agencies and requested a deletion of the Credit Card Company 's account of delinquency. I thought one of the agencies removed/deleted the bad 'mark. ' However, the XXXX XXXX 's XXXX XXXX said it still remand. I had a sickness and a death in the family which prevented me from pursuing after I sent verification of my identification to the credit agencies. Please, read my concern and attachments. Thank you for your anticipated cooperation and I look forward in hearing from you. 

With Warm Regards, XXXX
Consumer complaint received 2019-03-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: EVERBANK, NATIONAL ASSOCIATION (NJ)

I opened a money market in XX/XX/XXXX and funded {$20000.00} into the account. I did not notice that they ordered checks for my money market account ( savings account ) and I took {$5000.00} from it as I thought it's from my checking account for 5 days and I re-deposited {$5000.00} into the account. As of now, I have maintained {$20000.00} balance in the account for almost 120 days and the bank refused to honor the {$200.00} bonus because the balance was less than {$20000.00} for the interim 5 days. According to their advertisement, I only need to keep {$20000.00} for at least 90 days following the account opening which I would be qualified.
Consumer complaint received 2019-02-04
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TrueAccord Corp. (NJ)

received e mail from TRUE ACCORD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX ON XX/XX/2019 SEEKING COLLECTION OF A DEBT FROM XXXX A PAYDAY LOAN COMPANY. I INFORMED THEM THAT THESE LOANS WERE PROHIBITED IN NEW JERSEY AN GAVE THE NJ STATUTE ANN.tit. 17,1 et seq., NJ STAT ANN. 2C : 21-19., NJ STAT. ANN. 17 : 15A-47 I HAD BORROWED {$800.00} and Paid back {$960.00} and considered this matter closed I disputed the validity and amount they were attempting to collect which was {$1600.00}
Consumer complaint received 2019-03-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

XX/XX/XXXX I purchased a used 2018 XXXX XXXX via trade in through XXXX XXXX. I explained that I would be finiacing the entire amount for the vehicle and would not be putting anything down. This was confirmed by 3 other salesmen that worked there. I was also told and shown numbers that the price of my trade in would be XXXX. After being rushed through the signing process and being told it wasnt the regular finiacing advisor that typical handles their sales, I was allowed to drive off the lot. Now I am finding out, instead of the car loan being financed for the entire amount they put in the contract that I would pay XXXX $ down and the trade-in was for only XXXX . 
The car dealership is not working with me to fix the situation. I was told by them, I must either pay the XXXX $ out of pocket or redo my loan which will drive my interest rate up. 

Two days after purchasing, I spoke with the salesmen that sold me the car and stated my issue with the vehicle and asked could I return it because I was unhappy. I was told by him and the General manager I was unable to return the vehicle.
Consumer complaint received 2019-02-04
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: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

On XX/XX/2018, and XX/XX/2018 I certified mailed your company a letter to validate and confirm verification of this debt and its inaccurate reporting on my credit file, XXXX has failed to respond within 30 days. Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days. 

In addition, XXXX you are reporting Acct # XXXX on my credit file but then forward me letters with a different account number # XXXX. All are inaccurate. 

Despite two written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is 100 % correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly and belong to PRA, LLC. Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately.
Consumer complaint received 2019-02-04
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 (PA)

I was a victim of identity theft. Upon realizing that this had happened after pulling my credit report for the first time a couple years ago, I realized that there were items on my report that I had no idea what they were. I immediately searched for the name of the companies and guidance on how to resolve this matter. I was directed to the FTC to file a report that would remove these accounts from my credit report ( s ). The report would also serve as my " police report '' hence the accounts are out of the limitation to be handled by the local authorities ( per the pd ). One of the accounts was changed quite a few times. Two of the three reporting agencies updated my report very quickly, removing all of the items that were on my FTC report. XXXX was the easiest and most helpful. XXXX has been accessible but some of the items took a while to remove. The 3rd ( that this complaint is about ) is XXXX. They keep checking my disputes ( which take fairly long ) and come back saying that they are mine. I called them so many times to explain that the other reporting agencies have deleted them and to check my FTC claim. When I further explain that the company went from one company name to another, they don't understand why I am upset because they removed the old accounts under the old name, but left the same accounts with the newer name. When i call to further explain or complain, they ask me a series of questions that are for my protection as they claim ... .the problem is, and I tell them this, the questions they ask are about accounts on my credit file that DO NOT BELONG TO ME, therefore i can not answer them. I give them all information about accounts that are mine and still cant get any headway with them. I don't understand how 2 out of the 3 are updated to reflect my actual accounts, but this company can not get on the same page. I have been dealing with this for a couple years now and it is really hindering my score & affecting my ability to do anything that pulls from XXXX. When i call them, they are like robots ... they do not listen or try to help when i say things like i don't own the accounts that you are asking me about so i can not answer them. If they delete the original accounts, why do they keep the same accounts that just changed names or hand offs?? I am also including the information that i sent to the companies reporting info to the credit bureau 's. I am being penalized and harassed by collectors for things that are not mine.
Consumer complaint received 2019-02-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

My complaint is with Synchrony Bank. This bank has arrangements with many merchants which have the effect, if not purpose, of sucking consumers into contracts with exorbitant interest rates and term which lock consumers into ever increasing debt. My specific complain is with Lowe 's and Synchrony Bank. I purchased a kitchen sink including installation from Lowe 's in XXXX, Texas for {$680.00} on XX/XX/XXXX with Reg Deferred Interest /With Pay Expiration Date XX/XX/XXXX, annual Percentage Rate 26.99 %. Nothing in the contract from Lowe 's mention Synchrony Bank. I guess Synchrony maybe a holder indue course. I do not understand holder in due course except it protects the bank or others from some liabilities. 

I think the agreement between seller and buyer should explain the obligation may be sold to a bank and the bank will not be liable. 

I have been paying on my account with Lowe 's or Synchrony as follows : my balance on XX/XX/XXXX was {$500.00}, my balance on XX/XX/XXXX was {$500.00}, my balance XX/XX/XXXX was {$500.00}. and my balance on XX/XX/XXXX was {$540.00}. I paid {$37.00} on XX/XX/XXXX, and {$50.00} on XX/XX/XXXX. 

Payment required for late payment {$38.00}. on XX/XX/XXXX. That calculates out to {$3400.00} annually on a {$500.00} debt or about 684 % annually. 

As a suggestion, sellers should be required to reveal all agreements between sellers and banks.