davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-02
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. (GA)

XXXXXXXX XXXX reported I was late/missed payment for XX/XX/2021 when the account has been paid in full and closed.
Consumer complaint received 2022-01-02
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. (TX)

I have a charged off account from XXXX XXXX XXXX for an old loan that was taken out. My husband opened the account in my name and the amount is not valid. I sent several rounds of letters to XXXX to validate and verify the debt which I received no communication from. I did this in both XXXX and XXXX. The latest were a debt validation letter on XX/XX/XXXX, another on XX/XX/XXXX, and a method of verification letter on XX/XX/XXXX which I never received responses. This is not legal.
Consumer complaint received 2022-01-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AMA Advisors, LLC. (MI)

On XXXX XXXX. 2020 I submitted a letter to Homebridge Financial for assistance because I got behind in mortgage payments due to getting XXXX. I was not able to work a full schedule because I was too weak. ( Im a XXXX, got XXXX from my patient ) I had to qualify for one of their programs. I finally qualified for one of their programs. I started dealing with XXXX XXXX in the loan modification Dept. I followed all his instruct to the t because I wanted a loan modification for a lower payment. I believe I made 11 or 12 payments between $ 860- $ 900 monthly. In the meantime they sold my loan toXXXX XXXXXXXX and still kept collecting monies from me. XXXX XXXX said that I would be getting a loan modification soon. He also requested that I NOT contact XXXX XXXX because it would be counter productive. These payments to Homebridge were made with a card called XXXX XXXX. I dont have any receipts but I do have some of these cards I. My possession. I eventually called XXXX mortgage because my husband said it sounded like a scam. And he was right. My house is in foreclosureand I owe & XXXX to XXXX mortgage. I only get a recording when I call Homebridge Financial. And XXXX XXXX does not take my calls anymore. I got scammed from this mortgage company. I need all my money back that I gave to XXXX XXXX for a loan modification that never happened. He lied and cheated for Homebridge. And I am currently in foreclosure. Here are the pertinent numbers Loans # at Homebridge XXXX XXXX XXXX XXXX and XXXX Homebridge financial XXXX XXXX
Consumer complaint received 2022-01-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

Pro Collect was advised to investigate a few things that I believe are inaccurate and their response came back as " verified ''. All they sent was a computer generated response regarding my Re-Investigation. I asked for a a copy of the contract that I signed ( which is my right to do so ), a full account history of this debt, every payment that was made and all interest that was applied. Those were MY specific request. It appears obvious to me that they are abusing their power under the FCRA to escape a complete investigation. I have been requesting, since since XX/XX/2021, verification of this alleged debt that they claim I owe to this company company and which they are reporting on my credit files. However, this company has failed to obtain and send me legal verification as mandated by the law.
Consumer complaint received 2022-01-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Concentric Receivables Management, Ltd. (TX)

CONCENTRIC RECEIVABLES M was advised to investigate a few things that I believe are inaccurate and their response came back as " verified ''. They never responded to any of my letters. I asked for a a copy of the contract that I signed ( which is my right to do so ), a full account history of this debt, every payment that was made and all interest that was applied. Those were MY specific request. It appears obvious to me that they are abusing their power under the FCRA to escape a complete investigation. I have been requesting, since since XX/XX/2021 verification of this alleged debt that they claim I owe to this company company and which they are reporting on my credit files. However, this company has failed to obtain and send me legal verification as mandated by the law
Consumer complaint received 2022-01-02
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. (NY)

I have notified These credit reporting agencies that there is fraudulent accounts on my credit report, and i have asked them to remove it, i have given them all the information they need including my proof of identification, and a FTC report, they still have not removed these accounts, As in these companies are in violation of Code 15 U.S.C 1681b - Permissible purpose of consumer reports as my identity has been used Pursuant to 18 U.S.C 1028A., I demand that these accounts be removed.
Consumer complaint received 2016-11-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (PA)

I XXXX XXXX am a professional XXXX woman who works XXXX full time jobs to protect her family. In 2014 I went through a divorce, and my former husband did not pay the mortgage for several months. I took over the mortgage, obtained a modification on my own, and have been current with my mortgage payments for the past two years. The mortgage servicer has maintained a continuous 180-day late payment status, which reflects on my credit rating and drives my credit scores down significantly. This practice is highly discriminatory and I will bring this matter to the XXXX in XXXX Pennsylvania if it is not corrected. The account should show as no ; late payments since the approved modification in 2014. I make my claim with the CFPB to take action on this highly illegal and discriminatory practice on credit reporting. All payment histories with each respective credit reporting agencies must show no late payments since the modification approval.
Consumer complaint received 2022-01-02
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. (PA)

I never consented to the furnishing of these accounts on my report and that is in direct violation of USC 15 1681 ( b ) -PERMISSIBLE PURPOSES OF CONSUMER REPORTS. 
ACCOUNT NAME : XXXXL ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER:XXXX
Consumer complaint received 2022-01-02
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. (TX)

This is a formal complaint against XXXX, EXPERIAN XXXX XXXX. These bureaus have repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX, EXPERIAN XXXX XXXX have completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. These bureaus ' unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a ProfessionaXXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2022-01-02
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. (TX)

On XXXX, I filed a FTC report due to fraudulent accounts on my credit report. There were different social security number and some addresses that didn't belong to me reporting on my profile as well. I filed a dispute with XXXX, XXXX and Experian along with FTC report, some accounts were removed but not all. I also noticed several Inquiries were not removed from report. 

I am asking for all accounts to be removed, due to these accounts are not associated with me and is keeping me from applying for credit. 

XXXX XXXX XXXX XXXX XXXXXXXX letter is attached to prove this company Deleted account but its still reporting on my profile. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (IL)

Pursuant to 15 U.S. Code 1691 - Scope of prohibition- It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. Keyword : ANY I was discriminated against based off my credit report/reputation. Also Pursuant to 15 U.S. Code 1602 ( p ) - Definitions and rules of construction. The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. The credit card being my social security was used by Chase ( person ) and I the cardholder received no benefit. Chase has already confirmed through the mail that they in fact did deny me my right to credit. Chase shall pay fines for said violations including 15 U.S. Code 1681n - Civil liability for willful noncompliance. {$1000.00} per violation invoice will be sent by mail via USPS with a tracking number.
Consumer complaint received 2022-01-02
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. (PA)

me the consumer attempted numerous times to remove and block the negative information list on my report. these companies are causing defama6ion to my characte.r
Consumer complaint received 2022-01-02
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. (CA)

I recently received a copy of my consumers reporting file and noticed that a furnishers was reporting inaccurate information of an account by the name of XXXX XXXX XXXX. I filed all documents to remove this account as it has been the cause of identity theft.
Consumer complaint received 2022-01-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt.This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. 

I am sure that I settled this account before because it was not mine. This account was taken care of with original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2016-03-03
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY (NC)

I was working with a mortgage loan officer and he kept promising me the moon and stars only to come back later and tell me that he could n't deliver. He then kept sending me documents with certain amounts that I would be responsible for at closing only to turn around and tell me in an email that I would be expected to bring an extra {$2000.00} to closing and when I sent him a copy of the document that he had me to sign, he acted like he did n't know what it was. Then when I had finally had enough of the back and forth from him and his empty promises, I went to a different lender and because the loan is FHA, they had me to sign a form stating that I wanted them to release the case number to the new lender. That is when he emailed me copies of a float down agreement that I signed, the first XXXX was for USDA signed on XXXX XXXX, 2016 that stated that if did not close a loan with their company that I would be charged a fee of {$970.00}. When I emailed him to inform him that this was n't a XXXX loan and that the document signed was irrelevant, he then sent me a copy of the FHA document that I signed on XXXX XXXX, 2016 which was signed before the XXXX loan that he promised me that he could deliver and said that I would be charged a fee of XXXX if I did n't close that loan with him. That document became voided when he had me sign the document for the XXXX loan, however, according to the terms outlined in the document. This guy has been using hostile tactics and basically holding me and my bank account hostage so that I use his company to close my loan. He has threatened me and told me that he will be forced to take that money from my account when he never even explained what the document I was signing was for. The only reason he had my bank card number in the first place was because I gave authorization for him to charge me for the appraisal and now he is going to use my bank card information from the appraisal to charge me this bogus fee that he is coming up with in the XXXX hour basically. I have since then decided not to continue with any loan and not to even try to buy a home at this time because of all the XXXX frustration involved in this matter with this lender. For me and my family having to pay a nearly {$1000.00} dollar fee is a huge amount of money. Money, that we work hard for each day to be able to provide for ourselves and my fianc 's daughter, as well as our fur babies. That is definitely not something that I just want to hand over to him for services that he has n't even provided to me.
Consumer complaint received 2022-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

On the XXXX of XXXX, I submitted the following complaint against Citibank theough concumerfincance.gov : " To whom it may concern, On or about the XXXX of XXXXXXXX XXXX, I opened online checking account with Citibank as I was switching from XXXX XXXX. On the XXXX of XXXXXXXX XXXX, I attempted to deposit XXXX XXXX closing check in the amount of {$910.00} to my Citibank account ( check number XXXX ). On the XXXX of XXXX, Citibank blocked my card and access to any information online. I called the bank and was advised that the check was flagged as fraudulent, and the account is now in " the process of closure. '' However, the check was deposited - after many hours on the phone with Citibank they verified the check. Therefore, for absolutely no reason, Citibank cut me off from access to all the money I had including that of " fraudulent '' check. As of XX/XX/2021, I have not heard from Citibank and have not received the money - neither do I have an opportunity to check the status online. The situation significantly affected my holidays plans and caused me to lose my car. I would appreciate any advice and help on this matter. '' On the XXXX of XXXX, I received a response form Citibank representative that was not of any help- it was the same statement that I could receive from robotic customer service representatives of a call center : it stated that the account must be closed within 60 days and the close out check will be sent to me then. 60 days expired on the XXXX of XXXX, and the account was not closed. I called Citybank on the XXXX, XXXX, and XXXX of XXXX requesting a callback from a supervisor. Every time I called, the representative stated to call back in XXXX hours and the account will be closed. 
As of XX/XX/XXXX, MY ACCOUNT IS STILL OPEN.
Consumer complaint received 2022-01-02
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: LEXISNEXIS (DC)

I have contacted the credit bureau on several occasions and always get the information has been verified as accurate, but the credit bureau never sends me the information I have requested that was used to verify the accounts and personal information from public record. I filed a dispute via mail and over the phone with a specialist, however, the information still remains on my credit file. I tried to dispute some of these addresses and personal information online through the credit bureaus, but it doesn't allow me. I had to contact them by phone or mail. The XXXX accounts are associated with two addresses, that I have requested to be removed several times. I have never been associated with either of the addresses. Also, there are some XXXX XXXX accounts that I have requested to be removed as well. I have no knowledge of those accounts from that creditor. I never gave the creditor permission to access my credit file or report inaccurate information. In addition, accounts on my XXXX credit file haven't been updated accordingly. The following accounts are XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX & XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all these accounts need to be removed from my credit. XXXX has been paid off for over 4 months and I have disputed with XXXX several times, provided the info and they still haven't updated it since XX/XX/21, but XXXX and XXXX have updated my reports accordingly. I have attached pretty much everything that needs to be done. Lastly, XXXX, I have submitted disputes for the credit INQs currently reporting to my XXXX file and they sent me a letter showing they're deleted, but they still show up on my credit file. I think my XXXX credit file was too large and split and XXXX hasn't been able to compile my file properly to retain accurate information.
Consumer complaint received 2016-12-27
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (FL)

I received an offer in the mail from American Express for {$250.00} Cash Back after spending {$1000.00} on the card within 90 days to apply for the XXXX card. Offer expired XXXX/XXXX/2016. I applied XXXX/XXXX/2016 ; was approved - spent over {$1000.00}. I received credit of {$100.00}. I have the offer which does n't state anywhere a code needed to be entered. I do n't rememer there being a field or asking for a code. I 'm told by AmEx customer service they would have pre-filled in a code. My complaint is this is deceptive advertising making me believe that since I was applying for the card described on the letter in my name I would receive {$250.00}. Deceptive as I was n't told on the letter I needed to enter a code - and in addition not being asked for a code. I 'm told by AmEx they ca n't change the promo - nothing can be done. I plan to file a legal complaint, if they do n't honor their advertising.
Consumer complaint received 2016-10-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Financial Accounts Service Team Inc. (TN)

This has been reported as a " returned check ''. The returned check was over {$200.00}. I visited the store with cash in hand and picked up the check. They said that there was an additional charge for the the returned check. I told them I did not have that and they said they would take care of it. In my mind that meant it would be waived.
Consumer complaint received 2024-10-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX XXXX RE : Cease and Desist Request & Debt Validation Under 15 U.S. Code 1692 Account Number : XXXX Amount Claimed : {$430.00} To Whom It May Concern, I am writing in response to your recent communication regarding the above-referenced debt. I hereby request that you provide me with the following documentation pursuant to my rights under 15 U.S. Code 1692 ( Fair Debt Collection Practices Act ) : Proof of Debt Ownership : Please provide a copy of the bill of sale or assignment contract that shows you have the legal right to collect this debt. 

Validation of the Debt : Provide all relevant documentation that verifies the validity of the debt, including but not limited to : A copy of the original signed contract or agreement between myself and the original creditor. 
Itemized accounting of all charges, interest, and fees related to this debt. 
Cease and Desist : I request that you cease all communication with me in relation to this debt, except for written verification of the requested documents or notification of legal action if applicable. This request is made under 15 U.S. Code 1692c ( c ), which provides me the right to limit further communication. 

Please understand that until these documents are provided, I do not acknowledge or accept the validity of this debt. If you fail to provide the requested documents within 30 days, I will assume that your claim is invalid, and I will consider the matter closed. 

If you persist in contacting me without providing proper validation or without addressing this cease and desist request, I will be forced to file a formal complaint with the Federal Trade Commission and the Consumer Financial Protection Bureau, and I will seek all legal remedies available to me under the Fair Debt Collection Practices Act, including but not limited to civil liability for any violations. 

Thank you for your prompt attention to this matter. 

Sincerely XXXX XXXX