davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

Company states they sent notice of force placed insurance. I never received said named paper work. Apparently my insurance lapsed on XX/XX/2021 and I wasn't notified until XX/XX/2021. The insurance force upon me is significantly more expensive then i was paying and ever pulled my escrow into the negative. Tried to call XX/XX/2021 to finish putting this to issue to bed after getting my insurance company back on. the previous call was XX/XX/2021. I was told that is my problem and that I have to pay all fees and increases, because there records showed they sent a letter, which was not received.
Consumer complaint received 2022-09-17
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: Early Warning Services, LLC (FL)

In the pictures below, you will see a legitimate police report on identity theft, an FTC ID Theft report, and a denial from XXXX XXXX XXXX XXXX  stating that the incorrect information from my identity theft will still be published. My identity was stolen a couple years back and actually the deeper Im looking, it looks like it is much prior than I originally thought. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX is blatantly punishing a victim of identity theft. XXXX XXXX XXXX XXXX has failed to provide reason, or provide legitimate proof with any reason as to why they made a denial on my identity theft. This is done in bad faith and is a violation of the FCRA. XXXX XXXX XXXX XXXX are mandated by law to keep accurate and up to date records all of which they have failed to do. XXXX XXXX XXXX XXXX  has failed to provide legitimate actual documentation as to why they denied my claim. They also provide no steps to determine that the account information is accurate and up to date, two years later still being punished for identity theft. If they want a lawsuit, theyll get it. XXXX XXXX XXXX XXXX  have violated have violated FCRA section 607 compliance procedures and failed to furnish and keep an accurate report. XXXX XXXX XXXX XXXX cant tell me my identity wasnt stolen, because it was. They also violated section 611 procedure in case of disputed accuracy, by mis treating inaccurate and unverifiable information, as they failed to send me proof, as the burden now rests upon them. They are also in violation of section 617 negligent noncompliance and are purposely keeping inaccurate records on my file that should not be there. They also violate section 623 by reporting information with known errors and submitting it as accurate. XXXX XXXX XXXX XXXX now have the burden of proof to show why my claims got denied other than a boiler plate answer, that it was found verifiable without showing any known proven methods. There are more additional laws and causes of action that I will add if XXXX XXXX XXXX XXXX continues to violate my rights. I am in good standing with all banks. Any decision that doesnt result in this will be fully disputed. As it is not my fault for what happened.
Consumer complaint received 2020-04-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

I received targeted Citi advertisement for opening a new checking account that indicated I would receive a bonus of XXXX XXXX XXXX miles if I completed the following : 1. Open a new checking account in the Citi Priority Account Package by XX/XX/XXXX ; 2. Spend {$750.00} in purchases using my Citibank Debit Card within 60 days ; and 3. Make 1 qualifying bill payment for 2 consecutive months within the same 60-day period.

Based on this advertised information, I proceeded to open a new checking account and began making purchases with it as of XX/XX/XXXX. I then met the requirement to spend {$750.00} dollars using my debit card and made 2 consecutive months of bill payments for my electricity bill. Then, over the course of the next few months, I contacted Citi about the pending bonus. In my communication via chat/messaging with Citi, I was informed on three separate occasions that I had met all the requirements but simply needed to wait for my bonus miles to post. Yet, the bonus had not posted after significant time passed. So, I contacted Citi for the fourth time to inquire about it and this was when I was informed that previous representatives had misinformed me - I did not in fact meet all the qualifications because the 2 consecutive months of bill payments that I made did not qualify since they were not made directly form the Citi website or mobile app. 

Citi 's practices and communication in this regard are unfair and deceptive per the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010. They are unfair because they resulted in substantial harm by withholding XXXX XXXX XXXX miles that was not reasonably avoidable. They are deceptive because material terms regarding the account were misrepresented initially and after account opening.
Consumer complaint received 2020-09-17
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. (PA)

Initiated disputes via mail and online with Experian, providing proper identification documents, sent via certified mail # XXXX XXXX XXXX XXXX XXXX on XXXX. The online method issues auto responses without providing any information about how accounts were verified, even though the accounts still report inaccurate and missing information. 

The following accounts have been repeatedly disputed due to inaccuracies. The CRA has a pattern of denying my rights under the FCRA ( sect 611 ). They have reinserted inaccurate and incomplete information further depressing my credit scores. Experian has stalled my dispute process randomly requesting identification documents which they have on file and, were submitted with my disputes. 

The following accounts continue to report inaccurate, missing and unverifiable information : 1. XXXX/XXXX Account # XXXX : Date Opened XX/XX/XXXX : Account has missing information which the CRA will not update ; Highest Balance, balance. Request for immediate deletion. 

2. XXXX Account # XXXX : Date Opened XX/XX/XXXX : The account is missing its complete payment history. It is only reflecting 7 months of my payment history. Request for deletion due to incomplete information and failure to resolve within time allowed by FCRA. 

3. XXXX/XXXX XXXX Account # XXXX : Date Opened XX/XX/XXXX : Account is missing balance which should read " XXXX '' /XXXX. It is left blank. Request for payment history verification due to inaccurate missed payment was not honored. Request for deletion due to inaccuracies. 

I have a right to complete and accurate information, or the accounts here must be removed immediately. I am respectfully asking them to comply with FCRA.
Consumer complaint received 2021-09-03
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I moved to an luxury apartment in XXXX. This apartment complex had an agreement with XXXX  for all residents so I could not continue service with XXXX. I contacted XXXX and after receiving a bill for early termination of {$160.00}. After some back and forth, XXXX sent me an email dated XX/XX/XXXX at XXXX XXXX  stating they would credit my account for the early termination fee ( which I have submitted to all parties, Experian, XXXX and XXXX XXXX who charged me {$340.00} deposit because of XXXX  negative report on Experian. On XX/XX/XXXX, I received an email from Experian that they closed my account stating the creditor disagrees. There is nothing to disagree with as I have DOCUMENTATION ; there was no other information or explanation. I have excellent credit and never checked Experian so was unaware of XXXX  negative reports for the past year until I moved to Florida and applied for electric services.
Consumer complaint received 2021-09-03
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: EQUIFAX, INC. (GA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I submitted an FTC Identity Theft Report # XXXX on XX/XX/2021. I sent a copy of my FTC report, an identity verification document, as well as a cover letter with my current address and all of the information that is fraudulently on my report to Equifax Information Services LLC ( all supporting documents are attached below ). This report along with all other information listed in the attachments below were sent certified mail to Equifax on XX/XX/2021, and was received by them on XX/XX/2021. There are accounts, addresses, inquires, and employers listed on my credit report that are fraudulent, have ruined my reputation, and have hindered me from obtaining certain goods and services to support my family. Pursuant of the Fair Credit Reporting Act, section 605B, Equifax is required to block the fraudulent information on my credit report resulting from identity theft within four business days of receipt and to promptly notify the furnisher ( s ) of that information.I spoke on the phone with a representative of Equifax who, after verifying my identity and acknowledging receipt of my FTC report, stated that the addresses and inquires would be removed, however the fraudulent accounts would not be removed until an investigation was completed. I also received a letter in the mail from Equifax ( EXHIBIT A attached below ) stating they could not find my credit file in their system with the information I provided- which is contrary to what I was told by their representative over the phone. In the same envelope was another letter ( EXHIBIT B attached below ) from them stating they will not be blocking any information in my credit file, although the previous letter stated they could not identify my credit file. Equifax has violated my rights and federal law with their unscrupulous business practices.
Consumer complaint received 2021-09-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (CA)

Ncb Management Servi showed up on my credit report several months ago. I do not know this company or the so called debt they say I owe, even though it says XXXX dollars on my credit report. I have sent them many letters asking for the removal of this account on all three credit bureaus. There is no account number associated with this account. My mailbox has been broken into many times and I have reported several fraudulent accounts on my credit report. I would like this company to delete this account from all 3 credit bureaus to rectify this situation.
Consumer complaint received 2021-09-03
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. (GA)

I reviewed my credit report. I have an auto loan reporting from XXXX a loan I never opened nor applied for. The applicant apparently lives at an address I also have never lived at. I sent this information to all the credit reporting agencies that are reporting this incorrect information so as to have it removed. I also notified the lender in question that the loan being reported on my credit report is not mine as I have never applied for a loan with XXXX nor purchased a vehicle from the dealer of record.
Consumer complaint received 2021-09-03
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve.The particular account LVNV FUNDING LLC position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-09-03
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2021-09-03
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: FIFTH THIRD FINANCIAL CORPORATION (IL)

Factual Date - Fifth Third Bank I didn't authorize on my credit report this inquiry. XXXX XXXX XXXX I didn't authorize this inquiry on my credit report.
Consumer complaint received 2020-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Back in XXXX and XXXX was a very hard time for me. I lost my job and was having a hard time finding a job. In result of me not having a job I was late on my credit card payments XXXX, XXXX, XXXX and XXXX in XXXX and XX/XX/XXXX. Since then I have not been late on any payments and my cards are paid down to less than 11 percent. This really impacting my credit cards in a negative way. I was look to receive good will and erase those late payments that's reporting to my credit report.
Consumer complaint received 2021-09-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (VA)

We were scheduled to close on our new home with lender First National Bank on Thursday, XX/XX/XXXX. An hour before closing, our lender informed is they didn't have the appraisal. It was the first time we were informed. They assured they thought we could still close by the end of the day or the next day so we waited and had our house packed up by the movers. We couldn't get any updates or information. On Friday, still no updates and still no closing. However, when I called our builder, I was informed that no appraiser had ever contacted any of them or the agent to request access to our newly constructed home to conduct an appraisal. By end of day Monday, XX/XX/XXXX, we were notified that that appraiser had gone MIA and no one could locate or contact them. Our builder demanded contact information for the XXXX and they wouldn't provide it. On XXXX, XX/XX/XXXX, they suggested they'd find a new appraiser and start over. We had to move out of our previous home on XX/XX/XXXX because our rent back was up so we now had to pay nearly {$5000.00} for movers to move our house into storage, {$5000.00} for storage for our entire house, plus {$500.00} to cancel our initial move date. We also had to move our family ( including XXXX kids and XXXX dogs ) into a hotel. Our builder and us contacted the new appraisal company and were able to engage an appraiser to complete the appraisal on Thursday XXXX, submitting it that night. The lender said they probably still can't close this week because the underwriter is out of the office this week. They sent a new disclosure with a new closing date of XX/XX/XXXX! We will be out of pocket almost {$15000.00} by that point because of their XXXX up, not taking care of the appraisal on time or verifying if it was completed. The closing company has been in possession of nearly {$400000.00} of our funds for more than a week now and we still can't close. Our kids are forced to stay 30+ minutes from school and activities. They won't give us any updates or any help.
Consumer complaint received 2021-09-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

In XX/XX/2021 I mistakenly missed a payment. So in XX/XX/2021 I received a bill for a balance of {$64.00} and a minimum of {$41.00} with a due date of XX/XX/2021 to be 30 days late. I immediately paid the {$64.00} on XX/XX/2021 with a balance paid in full. Then on XX/XX/2021 the company charged me {$2.00} stating it was interest charges for the account. I did not realize as the account was paid in full prior to due date. Then they charged me more fees in the month of XXXX, XXXX and XXXX. It wasnt until I realized in XXXX with a balance of {$30.00} for bogus interest fees and late fees did I realize that they were applying fees to a XXXX account balance. I immediately called them and they stated that the original {$2.00} fee was for interest on XXXX. I kept asking how that was possible since they issued a bill in XXXX with a balance of {$64.00} and it was added after the cycle ended on the XXXX as stated by them. They refused to help me. Even after the statement stated that if I paid in full my balance would be XXXX. They just kept saying my late payment was for XXXX on my credit report, and that the original {$2.00} which has completely messed up my cc report and payment history was for XXXX. How do you accrue interest when a statement has the interest charges included.
Consumer complaint received 2020-09-17
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: Experian Information Solutions Inc. (PA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc. (MD)

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 

I submitted another complaint to Amerassist A/R Solution because my first complain was not responded to. I stated more facts and violations that I caught the second time around and got a response in nearly 7 days from the General Counsel. the problem is the response from General Counsel, XXXX XXXX XXXX, only address part of the issue. It simply does not provided answers to why they refused to update my status to disputed and, apart from what they have said, have yet to VERFY the said debt or answers how they support their allegation of giving a loan to a consumer who holds an open end credit plan according to 15 usc 1602 ( J ). 

Secondly, I disputed the validity of the debt to which you sent, a RETAIL INSTALLMENT CREDIT SALE CONTRACT. You then said the debt appears to be legitimate, aka valid. As a consumer, I know that when someone says something appears to be a way, that they are reporting what they believe or what they have been told, though they cant be sure it is true. Where are the facts? Once again, a debt has to be VERFIED to be valid. You simply went around that question. You responded by saying, Amerassist has marked its files to indicate that Ms. XXXX disputed the debt. So what about providing VERIFICATION? This should have been provided the first time, and Amerassist choose to let this linger because they know that once a consumers credit report shows they have disputed a debt, the debt collector must obtain verification ( not validation ) for the said debt according to 15 usc 1692 ( g ) ( 4 ). Furthermore, choosing to continue with your collection practices, willfully and knowingly, without properly providing proof, is a violation of 15 usc 1611 ( 1 ) ( 3 ). Congress says, whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, and ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. So, once again, if verification CAN NOT be provided the debt has to be removed. Sending another contract that contains fraud, simply will not suffice.
Consumer complaint received 2022-07-14
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. (NV)

My name is XXXX XXXX and I am submitting this complaint to delete the followingfraudulent items in my file that are reporting on Equifax and XXXX Credit Bureaus. Iam a victim of identity theft and did not make the charge. I ask that the items be deleted tocorrect my credit report. I reported the theft of my identity to the Federal Trade Commissionand I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. Ioffer my testimony herein that I have not authorized or given anyone access to my privateand confidential records and certainly not the alleged and also the inaccurate personalinformation showing on my credit report. I therefore request that you immediately removethese items from my credit report with your firm, or provide me with the exact source whereyou received such information, so I may take appropriate legal action. XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX PL XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.