davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

I informed Resurgent Capital Services of the identity theft and I also supplied provided them with an FTC claim that I submitted in regards to their unfair debt practices. Resurgent replied to my legal letter ( s ) by providing me with a letter stating that the debt was closed but in fact they sold or assigned it to XXXX XXXX in XX/XX/2020. XXXX XXXX reported the same account as Resurgent with a different account number. XXXX XXXX  gave no notice as prescribed in the Fair Debt Practices Act. Upon investigating this matter, I was told that there was some kind of glitch in the system of XXXX XXXX  with some jewelry accounts that they had. 

I am beyond annoyed at the semantics, antics and down right disrespect of these collection companies. They are vultures with no moral turpitude!
Consumer complaint received 2020-05-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN INTERNET MORTGAGE (CA)

Hi, My husband and I applied for refinancing for two investment properties with Aimloan.com. After two months of supplying numerous documents multiple times, we finally signed the closing documents. The day after closing we were advised by Aimloan that they did a soft credit check on us and found out that we had applied for SBA disaster loan assistance henceforth they will not be funding the loan. 

I believe Aim loan is in violation of the Equal Credit Opportunity Act. I have tried to speak with several top officials at Aimloan including XXXX XXXX XXXX Of Operation ( XXXX ) with no resolution. I have attached loan cancelation letters that I received from Aimloan below. 

Please email me at XXXX if you have any questions. My phone # is XXXX XXXX XXXX I am easily accessible by phone or email
Consumer complaint received 2021-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NJ)

I signed up for an American Express Platinum Card with the intent on maximizing the advertised new member bonus. The bonus I saw on every application form stated 75,000 points for $ XXXX in purchases within the first three months and 10x bonus points on supermarket and gasoline purchases within the first 6 months up to {$15000.00}. 

After a few weeks I noticed the purchases for supermarkets and gasoline cleared at the regular 1x reward rate for purchases. I called and was told the situation would be investigated and I would be called back. After two weeks I called today to get an update and was told the case was resolved and no changes would be made. 

I asked to speak with the deciding personnel and was told they do not speak to anyone but can send me the link I used for application that would prove I was not offered what I stated above. When pressed for the link the employee I spoke to ( XXXX, ID XXXX ) told me they did not have the means to send me the link, which goes against what she had just told me. I asked to speak to a supervisor but was told they were all busy. This was the same thing I was told earlier, that I would be called back. I am doubtful that this would be followed through based on the prior experience.
Consumer complaint received 2021-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (FL)

Amerihome Mortgage XXXX/XXXX  C/O XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, SC XXXX Received a letter dated XX/XX/XXXX that said the amount of flood insurance paid by our condo home owners association was insufficient ( but not by how much ) and that if we didn't amend the master policy or purchase one of our own or they would purchase one for me. I received this letter on XX/XX/XXXX. I called twice to get an explanation ( both calls recorded ) where the customer service rep would not put me in touch with the flood ins department and i was told both times the rep could answer my questions. The first call lasted over 20 minutes and the rep hung up on me and the 2nd call, the rep could not answer my question ( why did we need more insurance? ) and I asked to speak to the supervisor but the supervisor refused to speak to me. On XX/XX/XXXX I faxed ( and sent by certified mail ) a copy of our flood insurance policy and an email from our insurance agent explaining why our coverage was sufficient to meet the Flood Protection Act of 1973, I explained that we were disputing this and would like an explanation. 
I got an acknowledgment that the fax was successfully sent, but received no communication from the company acknowledging this. We received another communication on XX/XX/XXXX reiterating the terms of the first letter. I called to try and see if they had received our communication that we were disputing this need for additional insurance, but was told twice that their " system was down ''. I can not express to you the level of frustration we feel as a result from incompetent customer service reps that basically look up information in a reference manual to answer questions they know nothing about and refused to transfer us to the flood loan department and - the first time in my adult life - I was refused the opportunity to speak to a supervisor to get an explanation/clarification of our situation. I strongly ask for any assistance you can give us. 
Thank you for your time and consideration, XXXX XXXX
Consumer complaint received 2021-04-27
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Financial Business and Consumer Solutions. (TX)

Keep receiving multiple harassing statements at a time from FBCS representing XXXX. It indicates XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I don't owe or have any knowledge of this debt. Phone number listed XXXX. I had prior phone calls from a male impersonating a lawyer. Said he will find my closest family member or serve me at my job. He called two days in a row and both times I asked him not to contact me again.
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Getting very frustrated about this whole situation already. Clearly abuse of the system with failure to verify a bankruptcy. Which I have already disputed and put in a complaint on XX/XX/21 # XXXX where it was attached and confirmed that it would be removed. 

But Transunion and XXXX are still reporting this account and stating it is verified Attached will show the copy of the complaints and responses I still have gotten and updated file from XXXX XXXX either since I requested with the information I sent by mail. 

I disputed, asked them to investigate and give me the source of the information and kept running me in circles asking for another disclosure here and just saying it was verified and not providing any information and anytime I asked they would say they needed another disclosure. 

I want a full revised report sent to me from XXXX XXXX. I want them to send the removal notice to TransUnion and XXXX to delete these items. 

Transunion has not responded to a single dispute and keep giving me run arounds. This is completely unacceptable. It is my right per the FCRA to properly investigate items within a reasonable timeframe or remove it. 

Now how are they investigating items if I have a paper saying it was removed from my file but still almost 2 months later it is still listed. 

Before anyone get this complaint and claims to be unable to help due to verification please look at the attached items where my " CURRENT DRIVERS LICENSE WITH ADDRESS IS INCLUDED, SOCIAL SECURITY CARD AND A COPY OF A RECENT BANK STATEMENT. ''
Consumer complaint received 2020-05-08
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company (NV)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2023-05-14
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSWORLD SYSTEMS INC (FL)

XX/XX/23 I received a call from TransWorld ( XXXX ) wanting to know why I had not responded to letter sent out in XXXX and XXXX of this year regarding a debt of {$16000.00}. 

I replied that I had not received any. She checked her records and apparently the information was not sent to me but to my Renter. I immediately asked for a digital copy of ALL the information sent to the third party. The Rep said a supervisor would call me tomorrow. 

I also said I had written proof that their client XXXX XXXX XXXX had agreed to a settlement from the insurance company and that they had been paid. I also explained to the rep that the insurance company said if XXXX XXXX XXXX feels they are owed more the need to resubmit. 

XX/XX/23 I did not receive any contact from the company so I emailed them with the same information. 

XX/XX/23 Called and spoke with XXXX and retold my story she said she would transfer me to a supervisor. I was disconnected during the transfer. 

XX/XX/23 Called back and with XXXX who said she would transfer me to her supervisor, XXXX, but again I was disconnected. 

XX/XX/23 Called back and spoke with XXXX XXXX who said she would transfer me to her supervisor but the number just rang with no voice mail option.
Consumer complaint received 2020-05-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diverse Funding Associates LLC (TX)

This is not my debt with XXXX XXXX! My Identity was stolen and I will be writing a letter to you to have this account closed and ceased collections. I need you to instruct the 3 major credit bureaus XXXX, XXXX  and XXXX  to delete and remove this account. It is a pandemic and this company is trying to collect payment from me, when I can't even collect toilet paper from the store. I find it highly unethical during these times people are selling " alleged '' debt. I will be filing complaints with the XXXX, CFPB, FTC and any other company that will accept complaints until this account is deleted completely! I will remove complaints and negative reviews once the company sends letter stating that they will delete and remove these accounts and contacted the reporting agencies if it has or was going to report to my credit. Thank you
Consumer complaint received 2021-04-27
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. (KY)

XXXX XXXX XXXX XXXX XXXX  services the missed payments was not corrected on the 4 credit reporting agencies still shows XX/XX/2021 missed payments..please correct asap.. 

Documents enclosed by target red card services
Consumer complaint received 2021-04-27
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: Experian Information Solutions Inc. (TX)

I am a victim of Identity Theft. After discovering it on a credit report I followed the guidance found on Identitytheft.gov and submitted a packet via certified mail containing an Identity theft affidavit as well as a police report and the required documents for Identity verification. Experian sent a letter back declining to block the information from my report which is a clear violation of Section 605B of the FCRA.
Consumer complaint received 2021-04-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NC)

Sure I called the company and no one could give me any payment information when I asked. I have an old non PDF statement of account that is VERY different from what the company is now showing. I can have this scanned if needed but anyone with eyes can see what I'm saying without looking at it as the report is very sketchy. 
In XXXX I graduated law school and I would happily return the degree if possible. It's worthless. 
XXXX XXXX spent years convincing me to do things that weren't smart. In XXXX it turned to threats. I said do it so they destroyed my credit. 
In XXXX I had a lawyer draft what I wanted ... a payment schedule that fit with what I could afford on a teacher salary. 
I started paying the agreement and never missed one after. 
However in XXXX they changed handlers. 
I received court notices they were going to sue. 
I spoke and showed every payment and they dropped the charges. 
Now in XXXX I wanted a statement of account. 
In XXXX my XXXX loan was down to XXXX in the paper. I will go through my papers if I need to and get it scanned. 
So I filed a complaint and Navient first provided a statement that they suddenly had all my 10 years of payment. 
I then filed a second complaint wondering why my loans were never changing. 
Now today I received a statement and it's conveniently stating all payments I have made for a decade are entirely in the interest and fees column. This is not what I was told 6 years ago. And for 10 years the balance didn't change at all. 
It doesn't smell honest at all if final bills don't change in a decade of payment. I'd like clarification, especially on the XXXX bill that was down to XXXX in XXXX is now being reported as XXXX back then.
Consumer complaint received 2019-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (NJ)

I have a " Care Credit '' account with Synchrony Bank. In XX/XX/XXXX, Synchrony Bank converted the account to " Paperless Billing. '' Unlike all other financial institutions, apparently Synchrony Bank allows access to only twelve months of statements, rather than five to seven years of statements. 

On XX/XX/2019, I contacted Synchrony via " chat '' and spoke to a representative " XXXX '' who assured me that my back statements would be furnished within 24-48 hours. These statement were not, in fact, available until nine days later, on XX/XX/2019. 

It is my opinion that Synchrony Bank unfairly pushes " paperless billing '' and does not act in a responsible manner to be able to generate back statements in a timely manner in instances of loss of these " paperless statements '' that they general instead.
Consumer complaint received 2020-11-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am confused and mad at the same time. I'm really trying to figure out how this bureau is even verifying anything on my report when it is clearly inaccurate!!! Its so inaccurate that XXXX  deleted these items!!! I've reached out several times to this bureau with no response on the investigation. The dates were XXXX, and XX/XX/2020. This is proof of more than 60 days since I sent my dispute when they are required to supply results in 30 days. Please make this bureau comply with the FCRA requirements.
Consumer complaint received 2021-04-27
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: FIRST METROPOLITAN FINANCIAL SERVICES, INC. (TN)

I paid off two loans with First Metropolitan Financial at XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX they were paid off in XXXX of 2020. I have been trying to get both title to the cars. They are refusing to give them to me. They are telling me I put these cars up for collateral on a Furniture loan. They illegally put this on my contract. I ask them to show it to me and they can not provide any written document that I put them up. I have been trying get my Titles since last year. I call and they want talk to me. I sent over letters they return them. I ask them to provide me with all of my payment because the numbers was off for pay off. they refused to give me any payment records. I asked them how can I use something for collateral and didn't owe the cars at that time. i was still paying on they. now that I have paid them off. They holding my title .... trying to take me to court on a another loan. That has nothing to do with these loans XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TN XXXX SS # XXXX Account # XXXX
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MD)

I called XXXX to understand why my credit was again lowered, 2 years after what they thought was a missed lease closure payment ( it was settled 2 months later ). 
XXXX sent the correction at the time. But it was not recorded nor it brought to a raise back then. Now, 2 years later, it brought to one more hit on my credit score, which is costing me a higher mortgage refinancing rate proposed by my bank. 
My problem is even more general : the fact that I pay ( and paid for the last decades ) religiously, monthly bills for a total of more than {$5000.00} ( closer to XXXX these days ), does not map with the heavy score lowering for a few hundred bucks ( from the high 700 to the high 600 at the time, low 700 these days ). 
The impression ( and complaint ) is that there is a credit bureau and banking system credit scoring cartel, to artificially lower the purchasing power of the middle class. 
There are thousands of credit score algorithms, whose formulas are well hidden, but every single one of them gives an exorbitant importance to late payment, independently of its size.

From a logical point of view, this would push the cost of ( fewer ) large sums unpaid, on the ( larger number of ) small sums unpaid.

Nobody in the Credit Bureaus hierarchies ( I talked all the way up to a VP ) could explain any detail of the algorithm principles, as it's considered " automatic ''. 
But it's easy to reverse engineer the principles I delineated above. 
I have ( or can procure ) supporting documentation to prove payments and credit reports to show the impact, but I will provide it only upon request. 
Thank you and have a great day
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I XXXX XXXX resides at XXXX XXXX XXXX and is a VETERAN of the United States XXXX is a victim of Aggravated Identity theft and is being violated by these companies as a consumer. I have reached out to these companies four times stating law 605B.15 U.S.C. 1681c-2 BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT. These companies have done nothing but ignored my letters and leave remarks on my credit report stating that these accounts have been verified. Here are the USPS Tracking # numbers for each letter sent : XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-27
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. (FL)

Please help assist me, I have already tried addressing and requesting verification and validation and I do not even get a response back from the creditor nor the credit agencies. There are very old student loans back from 2014 in which were paid off and reporting inaccurately. I was never past due and just this year saw how they are reporting on my credit file. The information is inaccurate and false. 

There are six accounts total reporting and they all are listed DEPT OF EDU / XXXX XXXX I never had six loans total there are also duplications. Please help
Consumer complaint received 2023-08-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (TN)

On XX/XX/2023 I received and internal secured message from I.C. Systems so I followed their instructions, thinking that they were responding to my complaint that I had just filed with theCFPB on an alleged debt and their collection practices. I opened the secured message and saw that they were returning an alleged account back to XXXX and that no further collections will be attempted. If I had any questions I could call the number listed. 
So I called the number just to ask the question about the removal of the damaged collection account that had been placed on my credit reports. The I.C. Systems representative tried to transfer me to another section that the pop-up on her screen told her to but no answer. I call back later and went through the same steps and finally reached someone in that specific section. I asked how they planned to remove the collection account from my credit report, per the account information and reference information that I provided to them. They responded eventually with the fact that they dont report for XXXX but for XXXX and I asked what XXXX account, because I hadnt received any type of communication via mail or phone calls concerning an alleged debt owed to XXXX. So I ended the call. 
Upon my further research I did see that I.C. Systems had placed a collection account on my credit report for an alleged debt that I had no knowledge of or had received any type of communication concerning it. I reviewed XXXX  3 bureaus reports for XX/XX/XXXX  ; XX/XX/XXXX  where there werent any collections accounts but it appeared on XXXX  report dated XX/XX/.
Consumer complaint received 2023-08-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (VA)

XX/XX/2023 I sent a refund request for a {$260.00}. Cash app has not refunded me that money and also has taken what money that I was a negative that I was receiving and applying it towards the - {$260.00}. My bank has credited my account for the money because they just sent a letter saying that yes that was a valid complaint however, cash app has not adjusted my balance after multiple attempts to do so they refused.