davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-02
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Resurgent Capital Services L.P. (MI)

i do not know whos debt it is, i have sent resurgence the police report and identity theft afidavit via fax and certified mail to the address given by the agent. and the address on my credit report. i have spoken with the commpany on many occasions about this and they have continued to run me around agents names are XXXX and XXXX, which im sure are fictional names
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2015-08-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (CA)

I 'm submitting this complaint against SouthWest Credit who is collecting on behalf of XXXX XXXX XXXX. 

The collections company called me to collect to debt I do not owe and I explained to them that I 've already disputed the amount as described below with XXXX XXXX XXXX. Yet the sent me another letter attempting to collect the debt amount of XXXX when it should no more than {$44.00} ( as XXXX XXXX XXXX last told me ) and I still believe should be smaller amount because the {$44.00} includes services until XXXX and I returned all equipment in a timely manner. 

That being said, and to reiterate my complaint, XXXX XXXX XXXX billed me for U-verse services not rendered for the months of XXXX, XXXX and I think XXXX and they also tried to charge some sort of termination or late fees. The fee breakdown in my last bill from them was not itemized. I requested XXXX cancel my subscription on XXXX and all equipment was returned within the allowed 21 day return period by XXXX/XXXX/15. They said they got it on XXXX. 

On XXXX/XXXX/15, date of my last call with XXXX XXXX XXXX, they specified that I owed an amount of {$44.00} not {$260.00}. I asked them to send me a revised bill with the {$44.00} so that I could dispute further as I continued to emphasize that I should not owe anything. However, it seems they sent my account to collections instead. 

I submitted my first complaint to the CFPB prior to the account going to collections but since CFPB closed my complaint as it related to XXXX XXXX XXXX directly, it seems that XXXX XXXX XXXX continued collection proceedings. 

Please call me if there is any missing information that you need to pursue this matter with SouthWest Credit debt collectors on behalf of XXXX XXXX XXXX at XXXX or XXXX.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I HAVE RECENTLY CHECKED MY CREDIT REPORT AND THERE ARE MANY INACCURACIES.

I WANT THE NEGATIVE ACCOUNTS DELETED FROM MY CREDIT REPORT.

SEE ATTACHED UPLOAD
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Hello Im trying to dispute these late payments from my account XXXX I e contacted the reporting agency numerous times and they claim the information is correct. Which its not if you can look into this I would greatly appreciate it thank you and have a great day.
Consumer complaint received 2016-05-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIRST NIAGARA FINANCIAL GROUP, INC. (NY)

The purpose of this complaint is to expose how First Niagara Bank covertly charged " analysis service charges '' to its customers as a predatory tactic after acquiring XXXX banks in XXXX. These charges were not agreed to between the lender and its new acquired customers nor were customers notified of this change. 

On XXXX XXXX, XXXX, First Niagara Bank acquired XXXX XXXX bank branches in upstate NY affecting XXXX households. I was using XXXX as my bank for my business account at the time. 

From XXXX XXXX through XXXX XXXX, First Niagara Bank charged my company over {$3700.00} in analysis service charges. These charges were not part of my original XXXX account agreement and I did not agree to pay these when the bank was acquired. 

These fees are predatory in nature and a tactic used by First Niagara to make the former XXXX banks more profitable and justify their acquisition costs ; these fees created additional financial surplus at the expense of the customer. Further, customers were not given sufficient time to find a new bank or given the opportunity to move their business with a notice of the new fees. 

I have made several attempts to address this issue with my local branch, but was told that they could not help me. I have also contacted First Niagara Bank and met with a regional representative. Several months have passed and the Bank has ignored my complaint. 

Had I been given notice of the fees, I would have immediately moved my business to another bank as I did not agree to the " analysis service charges '' when I opened the account. However, by the time I discovered that I was being charged, I was not in a position to change banks. My business was in the startup phase, which made it too risky to split revenues and pay vendors out of XXXX accounts. 

I hope that this complaint will be taken seriously and the situation rectified. Additionally, I believe that this issue should be escalated to a class action complaint for all XXXX families who were negatively affected and who did not agree to pay these fees when the acquisition occurred. First Niagara was opportunistic at the expense of their new acquired customer base and bank customers must be protected against predatory fees when an acquisition occurs.
Consumer complaint received 2024-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (CA)

XX/XX/year> submitted initial dispute over wick.com in the amount of {$320.00}. XXXX charged my Apple Card an automatic renewal without my consent on a product I never received and had cancelled a year prior due to never being able to access what I had paid for. Provided emails from wicks.com proving that the charge should be reversed. 

XX/XX/year> Apple reapplied the charges and I again resubmitted the proof that I should not be charged. 

XX/XX/year> Apple reapplied the charges. I again submitted the proof that I should not be charged XX/XX/year> Apple again reapplied the charge. I again reached out and provided proof the charge should be removed and sent a letter via email. 

XX/XX/year> The charge was again reapplied. I again set proof it should be removed.
Consumer complaint received 2017-02-16
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OK)

XXXX has not sent my request of a signed validated copy of my signature for the debt they say I owe ... I have sent several letters asking for any documentation with my signature and snd they continue to report to the credit bureaus in a fraudulent manner.
Consumer complaint received 2017-02-17
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VT)

Hello! I am writing you this letter because back in XX/XX/2016 I had made a electronic payment to Capital One for {$150.00}. When I received my next statement in the mail it was showing that I was behind a payment. Finding this to be odd since I was given a conformation number showing the payment had been received, I called Capital one to find out what happened. Capital One first said I closed my account. This was not the case, I explained how I have had this account for years. doing further research they found it was a mistake on their part. They told me it was the person who entered my payment entered the wrong account number. I was totally understanding and the said they would wave the late fee and print me a new statement showing the correction. I sent out a payment of {$50.00} in the mail right after our conversation. Now my next statement comes in the mail. I open it to see I owe more late fees. I call Capital One again. I explain what was happening, they put me in touch with one of their specialist because I ca n't afford to pay the high payment that they say I owe. I explain to the specialist what happened, we make payment arrangements. The specialist expresses how sorry they are that this had happened. She also said I still had {$300.00} on my card I can Use. And told me no late fees will show on my account. Just out of couriosity I try to use my card the next day and my card was declined. Each time I try to settle this matter with Capital one we get disconnected when we get to the part of the convertation where we start to figure out a plan to resolve this matter. This has happened 4 times. The disconnection has always been on Capial One 's part. I am very upset to find Capital One has put this dept in the credit beru. 
Now it shows against me in my credit report. I have written to them trying to straighten out this matter but, I still get disconnected.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2015-08-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (PA)

Midland Credit Management continues to make multiple calls to my home on a daily basis, seeking to collect on a debt that belongs to someone else. I have told MCM that I am not the person they are seeking and do not know anything about this person. I have asked them to stop calling my number, which I have had for more than 20 years. The calls continue but when I pick up no one is there.
Consumer complaint received 2024-09-25
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MARINER FINANCE, LLC (TX)

I have an account with mariner finance that is listed as delinquent on my credit reports as a charge-off. Mariner offered me a settlement for {$1200.00} which I accepted. After accepting it they ghosted me and did not honor the settlement. When I called them they laughed at me verbally telling me that I would never be offered a settlement for 60 % of the balance. The balance owed was {$1800.00} and they offered {$1200.00}. They charged it off and continue to assess interest every month on it and have done so for over a year and now ask for {$2500.00}. They mark my account as a new charge off every month and are unwilling to honor their agreement. After marking me as a charge-off they got me fired from my job working with money and have prevented me from finding new work in my industry resulting in several months of unemployment
Consumer complaint received 2015-08-20
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: AMA Advisors, LLC. (CT)

I feel I am the victim of credit discrimination by HomeBridge FinancialServices doing business as Real Estate Mortgage Network. Theiraddress is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX. 
The contact information of the account executive is XXXX. 
I applied for a home mortgage with this company and received a loancommitment from them on XX/XX/XXXX. I am a single divorced womanreceiving child support from my ex husband under a XXXX divorcedecree which provides for monthly child support which, under XXXXlaw, is to continue until my youngest child is XXXX. Currently my youngestchild is XXXX years old so the child support will continue until XX/XX/XXXX. 
Item XXXX of the commitment listing conditions for underwriting states '' Provide continuance of child support payments, such as the childrenfor whom support is being paid or the duration. '' I have provided thisinformation to the lender. Nevertheless, the lender has refused toapprove this loan because it will not consider the child supportpayments despite the divorce decree and citation to the XXXXstatute which describes the duration of the child support obligationas being until the youngest child reaches age XXXX ( with certain exceptionsnot applicable here ). I now risk losing the house that I was scheduled toclose on last week and if I need to move out of my current rental Iwill not have a place to live. I feel that this action by the lender violatesthe Equal Credit Opportunity Act ( Regulation B section 102.6 ( b ) ( 5 ) andalso constitutes discrimination on the basis of sex and marital statuswhich is prohibited under XXXX law ( where I now reside ). XXXX. 
General Statutes section XXXX. I should also point out that myex-husband has been paying me child support on a regular basis, inaccordance with the court order, for the past 6 years. He is an XXXX XXXXveteran and currently a XXXX employee who has a secure income. Thelender asked me for 6 months proof of timely child support paymentswhich I provided. If this lender is doing this to me, I fearthat other divorced women receiving child support might bebeing treated in a similar way. If you can get the lender to quicklychange their position, I can still close on the house I wish to purchasefor myself and my children. 
I also want to point out that on XX/XX/XXXX I received a revised list ofitems required to close the loan and there is nothing on that listthat refers to child support documentation.
Consumer complaint received 2015-08-21
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NY)

I leased a 2014 XXXX XXXX and have had continuous transmission issues. ( This is well publicized in " car '' literature. ) Over the past year and a half, I have had the car to the dealer XXXX times, and XXXX updates have been performed. The service manager confirms the bucking that the transmission does when accelerating from a near stop. The motion is akin to being held by a rubber band and then let go. At present, the XXXX XXXX team and dealership are contemplating what to do next. There are no more software updates available, and they have been largely unsuccessful in remedying the transmission bucking. *The drop down box below requires the selection of a description of the issue, however, none apply, and thus XXXX was selected randomly. *
Consumer complaint received 2016-09-16
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CA)

this is a supplemental complaint about Santander Consumer USA They failed to provide any documentation that they actually moved XXXX payments to the end of my loan as promised. Nor did they ever send me the necessary paperwork to sign to authorize this. I am demanding that they provide documentation and I also demand they provide transcripts of all phone calls between me and the various customer service representatives, they claim all calls are recorded. This will confirm my earlier statement that I have been told by various representatives I can make the minimum payment of {$180.00} and will be current.
Consumer complaint received 2017-02-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

This is my third complaint filing on Bank of America. The Mortgage Servicing Rules requires that a servicer credit a periodic payment from a borrower as of the day of receipt. Three checks were attached to print out from the online banking system and placed in the night drop on XXXX/XXXX/16 but not posted until XXXX/XXXX/16. I have asked three times that the payments be reapplied to the day of receipt. I have been told that BOA has 24-48 hours to post payments placed in the night drop. I have asked twice for something in writing with that information because it is not posted on the night drop or on my billing statement. Also, my privacy was violated. A BOA employee called my place of employment and told another employee that there was a problem with my mortgage payment checks that were left in the night drop. I did not get the message until XXXX/XXXX/16. I started calling the bank at XXXX to find out why the payments had not posted. I had to call the branch four times to get help with my payments. The manager was extremely rude and not helpful. Only after I persisted, did the manager ask the employee the problem with my payments. I am asking again that the three loan payments be backdated to XXXX/XXXX/2016. I will not use the night drop anymore. I have been treated badly by Bank of America and am very dissatisfied with their service.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

It is so distressing and you have no idea how bad it is, Im an honest man working my way off honestly, then I look at my credit report all I see are false, incorrect and inaccurate information being reported under my name. As a consumer I know I have rights and protections but that seems to be a lie and I want to uphold that right under the law as long as I can even though it is already impacting my life and credit negatively and I need your help to set things right, sick and tired of living paycheck to paycheck with my credit applications being denied because of these errors.
Consumer complaint received 2015-08-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Regional Management Corporation (SC)

The guy XXXX send someone to my house when only my payment was XXXX weeks late. Recently he told me on the phone that on the kind of person that does n't pay my bills while yelling at me on the phone. I told them several times that I would pay them as soon as I can my husband was very ill and almost died and I was willing to submit documentation.
Consumer complaint received 2015-08-22
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Roosen, Varchetti & Olivier, PLLC (AZ)

I was sued at an address I no longer live at and have not lived at in 6 years. I was not aware of the suit and was unable to show up to court. My bank accounts have been garnished 3 times by the same collection agency with the same paper work from a suit filed twice for the same amount of money. I tired to tell the collection agency the 1st time they did it but they threatened to tell my employer and continue with even more litigation. I was scared and started to pay on a debt that I did n't even understand. I stopped once I lost my job and then another suit was filed where I do not live and that caused this most recent bank account garnishment.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, I am writing to dispute the following information that appears in my Experian consumer report because the negative items that are listed have been updated due to the CFPB Breach. This is in violation of code 1681 i. 

Dispute XXXX : XXXX XXXX Account Number XXXX : XXXX XXXX XXXX Type of disputed information : XXXX XXXX  Dates associated with the late payment items being disputed : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Explanation of item being disputed : The status of my account is not correct. The report shows that I am delinquent, but I have made all my payments on time. 

Please update my consumer credit report to reflect the changes, and mail me an updated copy reflecting the deleted late payments and updated credit score.

Thank you for your assistance. 

Sincerely, XXXX XXXX