davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

XXXX  ; Experian and XXXX  are incorrectly reporting that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-150 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX  dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc. (GA)

This company is falsely reporting a debt on my credit that I do not owe. I requested a signed contract to show proof the debt belonged to me, however I was not sent any information. I even sent dispute letters to the credit bureaus, but they are stalling the dispute process because they do not have any proof it belongs to me. Neither XXXX  or XXXX  is able to verify this information. Convergent does not have any documentation or signed contract, therefore they are reporting false information which is illegal. I need this information to be removed immediately. I will be filing a complaint with the XXXX and XXXX.
Consumer complaint received 2020-02-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 XX/XX/2019 XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-02-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (VA)

Dear commissioner below is a carbon copy of the second letter we sent to our lender requesting help. We were told they were foreclosing on our property and we need your help. 

To : Specialize Loan Servicing Re : Loan number XXXX Via : Fax XXXX Date : XX/XX/2020 From : XXXX and XXXX XXXX XXXX Please see the attached hardship mortgage application for a forbearance agreement or for a residential workout program. We previously sent you a letter regarding my wife and I health problems due to sickness and old age. We have always paid our mortgage payment and have never been late for the past 15 plus years. We have recently moved in with family members until we can either sell our house or if unable to sell we are going to have a family member come live with us and occupy our home again. 

On Friday XX/XX/2020 we contacted your office and spoke to XXXX regarding our current situation and asked for solutions because our hardship is due to old age and sickness. XXXX was very clear that your company would not work with us and you were planning to foreclosure on our house. XXXX advised us because we previously did a modification agreement to lower our payment that no options were possible and she discourage me to not apply for the mortgage workout application. 

Because my wife and I have been hospitalized over the past few months we asked you in a written letter to communicate with our son XXXX XXXX and we provided you his phone number and address. However you continued to send all correspondence to our property address in which no one is living there currently and we put the property on the market for sale. 

We are requesting that you do not put our house on the market to foreclose on us it will make it difficult to sell the property. We would also like you to send us a short sale package we lived in a subdivision in which it has been many years since a property sold in our area. When I spoke to XXXX I had my son added to my loan as an authorized person to talk on my wife and I behalf. 

Please mail the financial hardship package to XXXX XXXX XXXX XXXX, VA XXXX or email to XXXX. We authorize you to speak to our son XXXX XXXX to discuss any and all questions at XXXX. 

The realtor that is handling the sale of the property is XXXX XXXX ( XXXX XXXX XXXX ) her phone number is XXXX. 

Cc : The Federal Consumer Complaint Division
Consumer complaint received 2020-06-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (TX)

On XX/XX/2020 I filed a complaint with CFPB, due to Jefferson Capital Systems ( " JCS '' ) trying to collect a debt not owed. After 3 notices of dispute, and during 4 months after disputing the unrecognized debt " JCS '' never provided proper validation, and never provided any evidence to prove, any binding liability, after never providing any proper validation as FTC Attorney XXXX describes in his opinion " JCS '' was obligated to remove the account from my credit report not later, than 30 days according to the FCRA and FDCPA, and keeps violating the law by not removing the account reported as XXXX XXXX, that " JCS '' clearly claims ownership, and to be the Current Creditor, as he has been doing for the last year. 

In addition to that " JCS '', from the moment the consumer notified formally the dispute of the account had to place a note on the account about the dispute no later than 30 days as per the two Acts referred above mandate. The evidence provided shows 4 months showing no dispute. 

Jefferson Capital Systems has continuously been violating the FCRA, and the FDCPA. Attached you will find the detail, and evidence, to prove the multiple times that JCS violated the law, and keeps violating the law.
Consumer complaint received 2020-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX  XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX  XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX  XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Consumer complaint received 2020-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

CONTEXT : I made a payment of {$1500.00} to a social media influencer ( a XXXX ) in exchange for an agreed-upon brand promotion of my company. Everything seemed to be going to plan up until it was time for the influencer to upload his promotion, during which he proceeded to ignore me on all channels of communication and essentially just ran off with my money. I got a friend of mine to message him, and he replied to him ( but not me ), with him essentially admitting that he intended to scam me from the start. I tried to dispute this transaction through Bank of America ( with me providing irrefutable evidence that shows that he scammed me, and that I am entitled to get my money back ), but they denied my claim for some reason. I have currently appealed for a revision of the claim, but, unless something is resolved, I feel robbed of the money that should be rightfully mine. 

TIMELINE OF EVENTS : XX/XX/XXXX - Payment sent to Influencer ; ( {$1500.00} ) XX/XX/XXXX - Initial confrontation ; ( no response ) XX/XX/XXXX - Another message to the influencer ; ( still no response ) XX/XX/XXXX - Another message to the influencer, with me saying that I would go to popular news channels on XXXX from our community to expose him for his scam ; XX/XX/XXXX - I message him saying that I fully intend to chargeback and that I am contacting media outlets ; XX/XX/XXXX - I get a friend to message him about him scamming me. My friend asked him why he scammed me, and asked for the money back. In response, the influencer simply said, " bro karma is a XXXX that's all I got ta say, '' which is basically him admitting to scamming me ; ( and refusing to return my money ) XX/XX/XXXX - Claim initiated with Bank of America . I  called them that day and explained everything that happened, and they assured that I would get my money back ; XXXX??, XXXX - My claim was DENIED by Bank of America for reasons unknown ; XX/XX/XXXX - I re-faxed my documents to BoFA in hopes of an appeal. 

Attached to this complaint is a PNG file and a PDF file. The PNG file contains a screenshot of my " Message Center '' in my BoFA online banking profile, where it shows that my claim was denied. The PDF attachment is an evidence file containing all the information about the dispute. The first page contains a text explanation of the situation, with the following pages containing screenshots of messages between me ( and my friend at one point ) with the influencer ( to show proof of the deal, as well as proof of him admitting to scamming me ).
Consumer complaint received 2020-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

l have wrote ( 3 times ) XXXX, Equifax, and XXXX about a bankruptcy that on 3 of my reports ( US Bankruptcy Court Docket # XXXX  ). I sent them a letter on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( I have the receipts to prove it ). They said they got their information from the courts or XXXX. I wrote the courts and they said they don't deal with the credit bureaus. And my XXXX report has a freeze on it, so they couldn't have done a reinvestigation. I sent them in the letters I received from the courts and XXXX and they still said it was verified. I requested to see any court documents bearing my signuture and, I have seen nothing. This has been almost 90 days. I sent them facts ( proof ) that they were not being 100 % truthful about their reinvestigation. And they could not show me any paperwork from the court making me liable for this information they were reporting about me. It's the courts job to report a bankruptcy, not the a third party vendor like XXXX. Which is a voilation of the FCRA. Plus, XXXX is verifing me by my last 4 Social Security # s. They can not do that either.
Consumer complaint received 2020-02-09
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cheadle Law Firm (TN)

I am going to cut / paste their latest response and break it down. You are attorney 's and don't seem to understand math : " The date of the initial communication was XX/XX/XXXX. The initial scheduled court date is XX/XX/XXXX. This is clearly more than 60 days from the validation notice. 3. There is simply no requirement that suit be delayed more than 30 days from the initial validation notice. The debtor merely has 30 days to dispute the validity of the debt and request verification. '' It doesn't matter if the court date is 5,231 days after the initial letter. Your previous responses, including the one yesterday specifically states : " The debtor merely has 30 days to dispute the validity of the debt and request verification '' Again, as I've said before, this law firm DID NOT afford me the entire 30 days to dispute this debt or contact them. They gave me 23 days ( from the date of the letter, not actually when I received it 8 days later ) and on the 24th day they filed a lawsuit in XXXX County. They robbed me of 7-8 full days to respond as required by their LEGAL signed letter as well as the law allows. I was robbed and not given that legal amount of time to respond as they filed early. In fact, I responded after I received their letter on XX/XX/XXXX through CFPB to dispute this debt with no response from them or their shady client ( XXXX XXXX XXXX ). Technically, since I didn't even receive their letter until XX/XX/XXXX I should have legally had until XX/XX/XXXX or later to respond. This date is proven by USPS Informed Delivery. I didn't receive this letter until 8 days later, 8 days past the date of the letter. 

It doesn't matter how you want to twist and turn the way you are trying to spin it ; the math comes out the same every time. YOU FILED 7-8 DAYS EARLY AND DID NOT AFFORD ME THE TIME TO RESPOND REQUIRED BY YOUR LETTER AND THE LAW. 

I'm not sure how more CLEAR I could be. This law firm thinks they are in the legal right to do what they did, however I have been told that their letter is a legal document and the letter even says I have 30 days. It does NOT say 23 days, it says 30. The law also allows me to dispute a debt within 30 days. The law does not say 23 days then we're filing a suit, it says 30, which I WAS NOT AFFORDED. 

CFPB : Please do something about my complaint instead of letting them respond with XXXX non-relevant information regarding my case then closing it like everyone has moved on. I am not letting this go.
Consumer complaint received 2020-02-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Sklar Law LLC (NJ)

On XX/XX/2020, I received a letter from Sklar Law stating that my wages are going to be garnished. The was no reason given, no prior notification regarding the debt. I did not receive any invoices, documentation of money owed or any other notifications relating to this debt. They added in this letter the name and address of my employer which I found extremely alarming. 
Also, the date of this letter was XX/XX/2020 stating I had ten days to respond. However, this document was mailed out after the date my response was required. 
I mailed a letter to Sklar Law and Superior Court certified return receipt requesting documentation relating to this debt and Sklar refused. His response to my request to provide proof was to call his office. However, I do not want to speak on the phone, I want everything documented. I am apprehensive asto whether this debt is fictitious. lso I'm inquisitive as to why the are hiding all information pertaining to threats of taking money from my paycheck. 
Most of all Sklar Law transferred my case from XXXX county Court to XXXX county Court for garnishment without notifying me I found out when I called the court and XXXX the court clerk said it was transferred to XXXX XXXX XXXX county. I  called his office and his assistant refused to provide me any information. Why are they withholding information as to why they are switching my case to various courts to take money from me without my knowledge.
Consumer complaint received 2020-06-26
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: EQUIFAX, INC. (MD)

In XXXX I filed a dispute for an account being reported, under the name XXXX XXXX XXXX XXXX for {$470.00} on my Equifax Credit Report. 

Today, XX/XX/XXXX I spoke with a Equifax and was told, first that their was a remark on file for the filed dispute. I said this dispute is a great deal beyond XXXX days and legally under the Fair Credit Reporting Act must be removed from my report, as the investigation was not completed, just acknowledged as " under investigation : in XXXX. 

Equifax then back tracked and said there was a mistake, there is no remark on file, but I can filed a dispute now.
Consumer complaint received 2020-02-09
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Ad Astra Recovery Services Inc (TX)

I am having a problem with a collection agency which has called family and friends as well as my employer and left harassing messages and threatening orders of location and arrest. I have no idea what this even means. These messages have been sent to my employer and resulted in my employer bringing it to my attention alarmed. The recording of one such call was transcribed by XXXX and is provided via our company email. 

I have no idea of this collection agency and have called them and asked them numerous times to stop calling family and friends and to definitely stop calling my employer, every time I reach out to the company they tell me that they can do whatever they want and can call whoever they want and there is nothing I can do to stop them because the law is on their side. The women I have spoken with have been abusive and rude on the phone and have repeatedly threatened me with arrest and having a sheriff come out to arrest me. I tell them to provide validation of the collection and they tell me they are the validation! 

I am reaching out to this agency to help me put an end to this behavior from this company and to get them to provide proof on the original account or to remove this collection from my consumer credit files.
Consumer complaint received 2019-06-11
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. (WA)

Credit bureaus failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( ORIG CREDITOR : 10 XXXX XXXX XXXX ),
Consumer complaint received 2020-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS (NY)

I submitted a request through the LexisNexis website to receive a complete and total copy of my consumer report. I received a letter dated XX/XX/2019 with a link and a PIN code and instructed to use these in order to obtain my report. The PIN code never worked so I contacted LexisNexis via telephone. The representative who answered my call said they would email me a new PIN code. The email never came. I called again and was told the same thing again and the PIN code never came again. I checked ALL folders of my email. I still want a COMPLETE and TOTAL consumer report of any information LexisNexis has to me but I want it printed out and mailed to me at my address as indicated in this complaint. No more PIN codes that do not work.
Consumer complaint received 2020-02-09
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)

To whom it may concern : I am writing because my credit report is missing information such as I was military from XXXX to XXXX. I have worked for the department of parole and probation from XXXX to XXXX. I am listed as a XXXX veteran which is not included. The debit I acquired came from the fact that I am a XXXX veteran, the creditors where notified and agreed to delete the information from my credit report and now it has not been updated. It still states that they are closed accounts and especially the students loans are still showing on all three credit bureaus. This information was provided but these accounts still remain on my reports. The older accounts should be removed especially but still remain after the fact. I would appreciate any assistance with the matter. I know that my credit score has remained in very low status even though I paid off two vehicles during this time. My employment status was never updated to Social Security Administration which start in XXXX and ended in XXXX. This has been very frustrating.