davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Coradius International LLC (NY)

Hello I have received a notification of a debt owed to XXXX XXXXXXXX  by a Debt collection Agency, for debts from XXXX {$320.00} but I have never heard from XXXX XXXX  about this before. This is very odd that they took six years to initiate this action. According to ACI, the last payment l made to XXXX XXXX was in XX/XX/XXXX ; the charge is from XX/XX/XXXX, and I closed the account sometime in XXXX. I asked for a summary of the debts but what I got does not tell me anything. I have tried to contact XXXX XXXX directly but they are not accepting calls at this moment. The Debt Collector is American Coradius International LLC. Account Number XXXX, Reference Number XXXX. 
What I need is to verify that I really owe this debt, since, as far as my knowledge goes, I keep my bills in good stand, and this is really inexplicable that XXXX XXXX would take this long to initiate this action without having ever contacted me. I need to know that this debt is legit.
Consumer complaint received 2020-08-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America sent me a letter stating that my mortgage payments are late. This is 100 % inaccurate. The latter states that based on their own lie they will add additional fees and take my home via foreclosure ( loss of home ). 
Can you please explain how can bank threaten me with taking my home away while I have NOT MISSED any payments. 
I tried to call them. I was on the hold for 2 hours. After 2 hours, the automated message asked me to leave my information because they could not talk to me. I am submitting the letter I received and record of my attempt to resolve this issue with them directly.
Consumer complaint received 2023-05-21
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. (MS)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : 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 any 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. 1681s-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 2019-04-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

In XXXX, I left an employer and as a result, rolled over a lump sum distribution into an IRA account, set up by XXXX. The financial advisor at the time was XXXX XXXX. The retirement services company ( XXXX ) mailed the check directly to XXXX in XX/XX/XXXX, and I confirmed with XXXX that the check was cashed. 
Moving forward to XX/XX/XXXX, I am gathering up financial info for retirement planning and located the paperwork for this account. I attempted to call XXXX to roll this money into my 401K account. I discovered that XXXX went out of business. I called the XXXX financial advisor that I worked with in getting this IRA- XXXX XXXX ( who still lives in the area ) and he told me that he retired around XXXX and had no access to the records. He did say that XXXX was purchased ( around the same time ) by XXXX XXXX. I contacted several people at XXXX XXXX. They did a " nationwide search '' and could not locate this account. 
I contacted the State of Ohio to see if it would show up under " unclaimed funds '' and they had nothing. 
I need your help with investigating this. This account was a sizeable amount of money, which should have grown over the past 20 years. I am counting on this for my retirement. 
I am really hoping you can help get this missing account located for me.
Consumer complaint received 2023-03-23
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. (TX)

I am writing to dispute information on my credit report that I believe is inaccurate. Pursuant to 15 U.S. Code 1681s-2, I am requesting that you investigate the disputed information and correct any errors. 
Specifically, I am disputing XXXX XXXX. I have attached documentation that supports my claim and demonstrates that the information is inaccurate. 
I also request that you comply with the provisions of 15 U.S. Code 1666b, which requires you to notify the furnisher of the information that I am disputing the accuracy of the information they provided. If the furnisher of the information is unable to verify the accuracy of the information, it must be removed from my credit report. 
Furthermore, I would like to bring to your attention that the collection agency, [ name of collection agency ], is not licensed to collect debts in the state of Texas. Pursuant to Texas Finance Code 392.101, a person may not engage in debt collection in Texas without first obtaining a license. This collection agency has not obtained a license, and therefore, any attempts to collect a debt from me in Texas are illegal. 
I also request that you comply with the provisions of 15 U.S. Code 1692g, which requires debt collectors to provide validation of the debt within five days of their initial communication with me. To date, I have not received any validation of the debt. 
I request that you investigate these matters promptly and provide me with the results of your investigation within 30 days, as required by law. If you are unable to investigate and correct the disputed information, I request that you delete it from my credit report. 
Thank you for your attention to this matter.
Consumer complaint received 2023-03-24
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: SYNCHRONY FINANCIAL (NJ)

XXXX XXXX  has been double charging their collections two times in the last three months for example a check was sent in XXXX XXXX and XXXX and of those 3 months, twice in XXXX and XXXX an unauthorized auto pay was taken from a different account. Ive spoken twice to three account representative at three times who said nobody can help you its the weekend, another time theyre unable to access their system because the auto pay was grayed out and the third who said I have to call chase bank to stop their auto pay. During the same conversation he says he would be happy to stop auto pay and then says hes unable to stop auto pay telling me me I have to call my bank XXXX. So I call XXXX who I tell this to and they tell to call Synchronicity bank to stop the auto pay, which I inform the XXXX bank rep the XXXX XXXX rep tells me the opposite now your telling me the opposite. While a paper check payment shows posted on the statements on both banks paper, they have me going back and forth them adding potential fees for returned payments, insufficient funds and stop payments on systems of double payments that are becoming cyclical that theyre unable to put an end to without owing them more than if this clitch in theire systems began and Ive tried with four phone calls total to both XXXX and XXXX bank combined with apparently no business ethics that I would remotely want to recommend to others.
Consumer complaint received 2021-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NC)

I made several attempts, by phone and through the website, to determine why my conventional mortgage payments would go up from {$1100.00} to {$1400.00}. This was in the fall of XXXX. I got no response. Finally, on XX/XX/2020, I sent a message through XXXX. 
In XXXX, I got a call from Freedom Mortgage and the rep didnt really have an answer, but said he would escalate the issue and I would hear from a supervisor. As of today I have heard nothing further. 
I really want my account audited to determine what is going on. A definitive answer. I am very suspicious of the situation and have consistently had issues trying to contact the company. 
The company is Freedom Mortgage, XXXX XXXX XXXX, XXXX IN XXXX. Their phone number is XXXX.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX FOR THE COMPANY TO DO WHAT IS FAIR AND EQUITABLE TO ME AS A CONSUMER AFFECTED BY THE XXXX DATA BREACH BY DELETING THE ITEMS IDENTIFIED AS IDENTITY THEFT.
Consumer complaint received 2019-04-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (GA)

I am filing a complaint about XXXX XXXX XXXX. They have not provided me with documentations showing and proving they are in Fact the owner of an account they have listed on my credit report and with negative or derogatory status. 

The validation letter I sent reads as such : I checked a copy of my credit report and realized that there was a collection reported from your agency, which I was not notified about. I do not reject to provide with the debt amount. However, this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), that your claim is disputed and a validation is demanded. This is asking for  proof regarding the debt that I owe and verifying it. I am requesting you to stop all collection activities including reporting this information on my credit report. I am sure that you are aware of the fact that non-compliance with this request may end up in legal obligations. Please dispatch copies of the following with your reply : 1. The agreement which authorizes you to collect debt on the assumed debt. 2. The signed agreement from the debtor confirming to pay the debt. XXXX. The documents regarding the payments made on this account and validation of the amount. XXXX capital failed to validate this account. This account need to be removed immediately. XXXX capital system is violating the laws.
Consumer complaint received 2022-06-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (LA)

My home was damaged as a result of Hurricane Ida. In XX/XX/2022, my insurance company issued a check to me, my wife and Carrington Mortgage Company, in the amount of {$110000.00}. Those funds were turned over to Carrington Mortgage and we have incurred obstacle after obstacle when attempting to have Carrington issue funds to us for repairs.

1. CONTACT WITH FILE OWNER : We could never get in contact our original designated file owner ( XXXX ). This is the person who is designated to handle the disbursement of our loan funds. In spite of several phone calls and voicemail messages, XXXX never responded to us and we were always rerouted to other representatives who had no knowledge of our case. 

After TWO months of total chaos, we were issued two disbursements of {$15000.00}, for roof replacement and {$33000.00} for replacement and finishing of all drywall. 

Due to the issues with our prior file owner, we were assigned a new file owner XXXX XXXX XXXX. 
Nonetheless, we have experienced the same difficulties in contacting XXXX that we experienced with the previous file owner. We have made several calls and left several messages for XXXX. However, we have not been able to speak with him regarding our file. 

2. REFUSAL TO ALLOCATE FUNDS UB GOOD FAITH : Carrington Mortgage Company has consistently declined to issue OUR insurance proceeds to us and allow us to manage our repair process ourselves. THESE FUNDS BELONG TO THE HOMEOWNER, NOT CARRINGTON MORTGAGE COMPANY.

Carrington is insisting that it can only issue checks to contractors. Thus, forcing our proceeds to be placed into the business of accounts of contractors who we do not know. This is problematic and we have already experienced an issue with one of our contractors.

One of the previously referenced checks was endorsed by us ( homeowners ) and placed into the business account of the designated contractor. Two weeks later, we were informed that {$3000.00} of our proceeds were missing because the contractor comingled our funds with a purchase of property he closed on.

We informed Carrington Mortgage of this occurrence and that, moving forward, we wished to act as our own contractor because were not comfortable with turning over our insurance proceeds to contractors who we had no previous relationship with. 

In spite of this problem, Carrington has REFUSED to turn over the remainder of our funds, to us, and allow us to manage the remainder of our home repairs. We believe these actions are illegal and unethical. We have made several attempts to resolve this issue with Carrington Mortgage to no avail.

WE FIRMLY BELIEVE CARRINGTON IS ATTEMPTING TO WITHHOLD OUR INSURANCE PROCEEDS AND APPLY THEM TO OUR LOAN! 

WE NEED IMMEDIATE ASSISTANCE IN RESOLVING THESE ISSUES!
Consumer complaint received 2020-10-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Yamaha Motor Finance Corporation USA (FL)

I financed a Yamaha waverunner through the dealership. The loan was through Yamaha finance. I paid the loan in full on XX/XX/2020. They confirmed receipt of payment and the loan was satisfied. I subsequently sold the waverunner and asked for the title. They stated they would not send it for a minimum of 30 days. They have no reason to do this and there is nothing in the finance documents stating they would do this. This is unacceptable. I made good on my loan and they need to release the title.
Consumer complaint received 2022-06-23
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. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-12-14
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: Experian Information Solutions Inc. (IL)

I sent a certified letter, tracking number XXXX through XXXX on XX/XX/XXXX to XXXX XXXX XXXX XXXX and they have not replied in a timely manner. I have attached the letter that was sent to them and the reasoning for it. I have not received a response within the last 30 days. So I am asking for this debt to be deleted on my credit report.
Consumer complaint received 2022-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am sending letters to the credit bureaus and they have not responded, I have incorrect information on my credit report that hurts me, I have duplicate accounts and unauthorized inquiries.
Consumer complaint received 2019-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

Sometime after XX/XX/2019, Freedom Mortgage switched addresses and began sending mail to XXXX XXXX XXXX, the property for which they hold the note. However, it has been clear from the time I applied for the mortgage that my address is XXXX XXXX XXXX. 
So, Freedom Mortgage sent an unknown number of documents to the wrong address, including monthly statements and forced insurance documents, and, most importantly, a poorly noticed change of address for future payments buried in the monthly statement. 
On XX/XX/XXXX, my bank dispatched a check to the XXXX payment center. Although Freedom Mortgage received the check they sent me a letter with the check attached later that month they declined to cash it. 
In late XXXX, I contacted Freedom Mortgage because the XXXX XXXX check had not been cashed, and only because I called was the mess of the company changing my address and mailing all documents to the wrong place untangled. I asked to have the late fee waived and was told that it would be, but was urged to allow FM direct access to my bank account. Because it seems stupid to allow access to a company that cant keep its internal processes working right, I declined to let them have at my checking account. Instead, I paid by check the next day ( XXXX XXXX XXXX day ) and the check was cashed within days. 
This month, I received a statement for a late fee of {$43.00} that does not say which payment was late. Only XXXX was late because of their internal errors. I have sent a check to cover the late fee so it doesnt spiral, but I want that late fee refunded.
Consumer complaint received 2019-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

During XXXX 2018, I attempted to buy some presents using my credit card. Capital One for some reason thought there was some fraudulent activity going on and blocked my card. I called them and asked them to remove this and they " did so ''. Turns out the employee decided he wanted to just XXXX with me because they instead escalated their internal fraud alerts on my account and then requested me send ridiculous amounts of documentation to " prove my identity ''. I refused and closed my balance XXXX money they gladly accepted from me without any proof of identity ) and then closed my account. 

Now they just applied a chargeback to a charge I disputed in XXXX. I was not notified of this charge because their internal policy requires that I send ALL documentation they requested from me before they " unrestrict '' my account. I was only notified today ( surprise, more inconsistencies in their system XXXX because of a late payment fee that was applied to my account. So they don't notify me of this charge that was inappropriately applied to my account because of this internal policy but they have no problem notifying me after I receive a late payment fee. 

Now my credit report has been damaged by this because of their ridiculous internal policies that do not protect anyone from fraud and makes XXXX sense. And they refuse to talk about my account until I remove the " Restricted '' status which means I have to send them documents such as a SIGNED SOCIAL SECURITY CARD ( absolutely ridiculous ), a copy of my driver 's license, and other forms of PII. Now I also owe them XXXX which I should not have to pay. 

No relevant documents at this time. If you require anything, please send correspondence for said documents. 

** On the next page, it requested my card number for Capital One. My card was destroyed after I closed my account so I don't have access to the card anymore and I don't remember the card number. Instead, I put in my CapitalOne360 username that I use for online banking.
Consumer complaint received 2022-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

" THIS IS NOT A DUPLICATE NOR IS THIS COMPLAINT BEING FILED BY A THRID PARTY. I AM FILING THIS COMPLAINT MYSELF. PLEASE SEE THIS COMPLAINT IS PROCESSED TO THE LETTER OF THE LAW '' XXXX, XXXX & TransUnion are failing to comply with FCRA laws & sections. I was the victim of Identity theft & have reported the information to all 3 credit reporting agencies ( CRA ). I've provided them with a police report, identity theft report and identifying documents to substantiate my position. They have failed to provide me with any verifying proof these accounts, which were opened fraudulently, belong to me or I have any legal obligation. The following accounts & addresses were opened without my knowledge, consent or authority & I need them blocked/removed from my credit. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX po box XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm including the police report, identity theft reports & my verifying documents to prove my position. Please see the listed accounts are removed/blocked from my credit report