davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Account Number Num : Balance {$1400.00} Sir or Madam, I am writing in regards account XXXX XXXX XXXX on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
Consumer complaint received 2018-06-26
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Nationwide Debt Management Solutions, LLC (NJ)

They have violated my rights with harassing calls at my place of work, harassing calls to my family members and friends as well as threatening me on my personal phone. They call all of these places with the same threatening story that I am going to be served at my employer and sued for non payment if I don't pay them by a certain time that day. 

I have requested numerous times to have the information on this debt sent to me in writing so I may review the accuracy and legticmy of this debt. You refuse to give me an account number or any information on this debt. I am hung up on every time I make this request. I am also hung up on when I ask for their contact information. I was only able to get their company name and address by tracing one of the numbers they have called me from. 

They only say the original debt is XXXX XXXX but give no loan number or will not send me any written information on this debt. They say they are a law office hired to serve me on this debt.
Consumer complaint received 2018-06-26
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAVALRY INVESTMENTS, LLC (PA)

On XX/XX/2018, I sent Cavalry a cease of communication letter, which they signed for ( evidence attached ) because Cavalry has ignored my 7 attempts to validate debt claimed owe. Instead, Cavalry has repeatedly sent me countless automated letters. I continue to receive harassing mail from their XXXX, NY address, after I have requested them to stop.
Consumer complaint received 2018-05-26
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: Capital Accounts, LLC (CA)

I mailed a certified letter out disputing account on XX/XX/XXXX. The tracking on the letter states that the letter was picked up from their post box on XX/XX/XXXX at XXXX. The 30 days have passed and I didn't receive a response to my letter so therefore the account should be removed from my credit. Attached proof of delivery to the collector.
Consumer complaint received 2018-05-26
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. (FL)

I recently received my TransUnion credit report and discovered that there is an account on my report that does not relate to me. The account is an account under the name of XXXX XXXX XXXX XXXX. I tried on several different occasions to communicate with Transunion and they have ignored the section 605B of the FCRA. I was a victim of identity theft. I sent over to them my documentation and identifications including the FTC ID affidavit signed and notarized and police report case number for their own investigations and verification. The FCRA 605B ( c ) explicitly sets forth reasons the CRA must provide in order to deny or rescind a block of information from your credit report. 

The reasons are : 1. the information was blocked in error, or the consumer requested a block in error ; 2. the information was blocked, or the block was requested by the consumer, on the basis of a material representation of fact by the consumer relevant to the request to block ; or 3. the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

They did not provide one of the statutory reasons that permit them to deny within the four days the law permits. 

Additionally, the asserted reason of conducting a 30 day investigation is not a condition of blocking under section 605B. 

The very implementation of the identity theft process was based on the intent of congress to remove any investigation by the furnisher or CRA, with blockage based only on an assertion of the consumer that is supported by a sworn police report. This account needs to be removed from my credit report. 

XXXX XXXX SSN XXXX DOB XX/XX/1986 XXXX XXXX XXXX XXXX Florida XXXX
Consumer complaint received 2018-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I had a collection account with XXXX XXXX XXXX XXXX XXXX I paid them in full and they agreed to remove the collection from my credit report and they did but now I just received a copy of my credit report and the collection is back, I called TransUnion and they told me they will remove it again but nothing has been done. Please remove the collection account from my credit report.
Consumer complaint received 2018-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

I opened two of my accounts with Chase in early XX/XX/2017 of which remained open for a duration of about 5 months. In late XX/XX/XXXXboth of my Chase cards were closed without warning. In those 5 months that the accounts where open, I have been an excellent paying consumer. In fact I made payments weeks before the due dates of which nothing was due at the time. All efforts on my end went unappreciated when in early XX/XX/XXXX I received a notice from Chase stating that they were closing my accounts basically just because they can. This is poor treatment of a good consumer who pays well before time. At this point, I am very upset with Chase because this is unfair treatment of a consumer. This case was also reported with the XXXX.
Consumer complaint received 2018-06-26
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 — Their investigation did not fix an error on your report
Company: NATIONSTAR MORTGAGE LLC (IN)

Now I see that XXXX/Nationstar has now incorrect information on my credit report showing I am in a forbearance program. In which, that was terminated per agreement with XXXX months ago. The balance on my account is incorrect. The payment per month does not show as well I am still waiting for all payments to be correctly reported and my FICO score to reflect I have a mortgage loan.

No company is by law to retaliate against any consumer when trying to address issues with their loan can not be met by contacting the loan holder, company.

XXXX/Nationstar even sent me a letter on the CFPB complaint a few weeks ago stating they would fix the issues and reinstate my FICO score since I have yet to receive any points from my VA mortgage loan.

Now my credit report is worse with errors regarding my mortgage loan. Once again out of retaliation from XXXX/Nationstar.

I will keep filing complaints until this serious issue is finally resolved ... going on over a year now.
Consumer complaint received 2018-06-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

Now I see that XXXX/XXXX has now incorrect information on my credit report showing I am in a forbearance program. In which, that was terminated per agreement with XXXX months ago. The balance on my account is incorrect. The payment per month does not show as well I am still waiting for all payments to be correctly reported and my FICO score to reflect I have a mortgage loan.

No company is by law to retaliate against any consumer when trying to address issues with their loan can not be met by contacting the loan holder, company.

XXXX/XXXX even sent me a letter on the CFPB complaint a few weeks ago stating they would fix the issues and reinstate my FICO score since I have yet to receive any points from my VA mortgage loan.

Now my credit report is worse with errors regarding my mortgage loan. Once again out of retaliation from XXXX/XXXX.

I will keep filing complaints until this serious issue is finally resolved ... going on over a year now.
Consumer complaint received 2016-06-10
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (SC)

Basically the bank is having people come by lying and seemingly threatening to kick us out, after lying to us about helping and denying payment even. My house is being foreclosed on and has been sold, after payment was denied ( in the billable amount ) long before any judgment was filed or before defaulting. Now since the house has been sold, I 've had one XXXX gentleman come out before XXXX knocking on my door and lying to me. I know he 's from the bank, I 've talked to him before, but he lied to me as if he was looking for another house address number, then went up the road in the opposite direction. Yesterday I had a few XXXX gentlemen show up to my neighbor 's house telling her about our contract with the bank, telling her how we do n't pay them and that they were there to throw us out onto the streets, when an eviction has n't even been filed. The bank is basically making threats through our neighbors, and disclosing personal loan information with people who are not authorized to be on the loan. Before all this happened, the payment was caught up but the check was sent back, even though the amount of the check matched the amount on the bill and was sent in before the due date ... the check was even returned and denied to be accepted before the due date even, even though the check was to the total amount on the bill asked for by Ocwen. Ocwen proceeded to tell us to fill out numerous papers to try to get help through them to save the house, but for years paperwork was sent in only to be returned with the acknowledgement that Ocwen did n't help people save their homes. In fact the paperwork sent from Ocwen over and over was even denied by Ocwen that they had sent it to our mailing address.
Consumer complaint received 2018-05-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NY)

Emails dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX have been sent to XXXX. Submission of each email has generated 3 separate acknowledgement emails advising that XXXX received my emails and would respond shortly. To date, NO RESPONSE HAS BEEN RECEIVED for ANY of these emails! Multiple calls have been placed to XXXX to follow up. Each time I have been instructed to submit another email. My loan to value has dropped below 80 % and therefore my PMI can be cancelled. Each of these requests to have the PMI cancelled has been ignored! Customer service for this company might as well not exist! There is no service!
Consumer complaint received 2018-06-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (GA)

The debt was reported to my Credit report with a start date three years after I paid the debt. I tried to get the account removed from my credit report. The collection company states that the dates are correct and this is a valet dept.I did not receive a written notice with an opportunity to depute the dept.
Consumer complaint received 2018-05-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CDI Affiliated Services, Inc. (OH)

This is a medical account that had been paid off almost 2 years ago. When I paid it off, my doctor XXXX XXXX contacted this agency and had it removed. I checked my credit and was surprised to see this on my report because without an account number or anything that actually connects it to me. I did not received any contact whether call, email or letter to say that this had been done. I contacted the collection agency CDI Affiliated Serv. regarding the matter and I was told that they had no ideal how this appeared on my report, that it must have been a glitch in the system because it was closed with full payment. I was advised by the Service Rep. to dispute the item on my report and as soon as they get the dispute they will remove said item. I have also contacted my doctor of this situation. 

Well, I have now disputed it twice with XXXX, who allowed this to happen without verification or validation, because it came back as verified. This false claim has brought my fico score down more then 80 and I am furious. I work hard at trying to maintain good credit and it is ridiculous that any company from any where can report false, old and other individuals mess to the credit bureau and have it verified as being accurate. This is not fair to the consumer.
Consumer complaint received 2018-05-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (FL)

I had an old Wells Fargo credit card debt. This all started when I decided for my own reasons to try and settle it. I contacted Wells who sold it to XXXX XXXX. I contacted XXXX XXXX who sold it to XXXX XXXX, who sold it to XXXX XXXX XXXX XXXX, who sold it to XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX. I confirmed that the principle amount of the debt was {$16000.00}, and that it was " worth '' well over {$50000.00}. I negotiated a settlement of {$2800.00} which I paid that date.

Then on XX/XX/XXXX, I was contacted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( Tel. ( XXXX  ) XXXX ). The person on the phone threatened that process servers were being sent out. I asked for what and was told Wells Fargo. I said that I settled that debt already and was told this was a " different debt. '' I should add that I am XXXX XXXX and was quite shaken up by this. I was told it was a {$50000.00} debt, but I could settle it for {$5000.00}. I did not have the money, but borrowed it from my Mother to pay off this debt collector. When I got the letters, I noticed that the two accounts were the same! I contacted XXXX XXXX XXXX  at XXXX XXXX XXXX repeatedly, but he would only suggest that Federal Pacific was fraudulent, and he would not refund my money.

I will submit letters from both firms listing the same accounts.
Consumer complaint received 2018-06-26
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (VA)

I had problems " making on-time payments '' due to a very " Bad Divorce '' which led to a difficult Financial problem, as a result, NISSAN-XXXX XXXXXXXX has reported " Negative Reporting - Late Payments '' which has and is currently damaging my credit reports. 

But now things have turned around for me financially, I have made ( " Extra Payments in XXXX XXXX and XX/XX/XXXX ' and caught up with ALL my car monthly note payments and have kept on being Current on my monthly payments ). And, because of my hard work to improve my credit with them and consistent monthly payment as well as my future plan to build and request more credit from NISSAN-XXXX XXXX I had called in several times to Customer Service to ask if they can please work with me by " Removing the Negative Late Payment Reporting on my Credit Reports '' but unfortunately the Customer Service of NISSAN-XXXX XXXX has declined my request even though I was told by a rep in the past that if I catch all my payments and make consistent payments that my late payment history will be forgiven. So, as noted above I kept calling and calling but I kept getting passed around on the phone with absolutely no result or remedy to my situation. 

Furthermore, NISSAN-XXXX XXXX is reporting that my " Payments are Late '' from ( XX/XX/XXXX - XX/XX/XXXX ) in All 3- Credit Bureaus which is NOT correct nor consistent, because I have doubled up to catch up any lates that occurred and made all of my payments on-time so I will not be late.
Consumer complaint received 2018-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (CA)

On the XX/XX/XXXX, my husband and I went to the XXXX XXXX fair and purchased a mattress. Upon purchasing, the salesman whose name and information I can give upon request informed me that I would need my credit checked before purchasing, meaning he asked for my husband and I personal information. After informating us multiple times and reassuring us that this would only have a small hit on our credit and we would get 0 % interest on the mattress we purchased we signed the agreement. Before signing he mentioned that payments would be made through a credit card, we specifically said we did not want to apply for a new credit card and that we were more then happy to make payments through the credit card we already have per seeing the paperwork we were about to sign. He assured us that this was possible however, today my husband and I checked the mail to see that we have received a new credit card with synchrony with an extremely high interest rate of 30 %. When attempting to call the salesman directly in order to confront the issue he did not answer our calls, after which we called the card company and they said all that could be done is that we report it or call the salesman. We then called mattress firm and they said all that could be done is them emailing the salesman and the supervisor of the fair, however they told me that was all that could be done and it would take a while for them to get back into contact with us. I am extremely upset and confused on how to continue as I have been given very different information. When I called the credit card company they told me to contact you or the sales company, and when I contacted the sales company she informed me that I should not contact you guys unless I want to refund the mattress, which is something I dont want to do.
Consumer complaint received 2018-05-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Consumer Financial Services (IL)

Back in XX/XX/XXXX myself XXXX XXXX and my friend XXXX XXXX the cosigner agree to get a loan and split it in half. Payments as well. He went M.I.A and later on I heard he left to XXXX for good. I got stuck with the payments which I had no choice since it's my credit too and I can't really do anything about it. But I struggled to make the first payment/s since I got laid off from work. Had no phone at the moment since I had no money so I could not contact anyone. I had finally thought I got my job back in XX/XX/XXXX. Until the owner talked to me. But first my supervisor talked to me before and said he heard that they didn't want me to work here anymore because the loan place was calling and harassing my employer nonstop. Received to much mail from them too. And they were not stopping after my employer let them know I was working their anymore. Finally talked to the owner of the small company I work for and he didn't want to give me work. He gave me different excuses. But at the end he had no reason to fire me because I'm a good worker and never had a complaint against me and he also didn't admit to my personal loan situation. So on the same day. I called Consumer financial Services located on XXXX XXXX XXXX. A operator answer and gave my info and she ask why I'm calling and I said I'm calling to make a payment arrangement and to talk to someone to see if maybe they can't stop calling my job because they got me fired. She transfer me to the manager. A XXXX who didn't introduce herself, but didn't give me a chance to say anything because she decided to insult me right away by saying I know who you are. You are a dead beat with lots of child support. You are irresponsible and I know you got fired and do you think I care because I don't and I don't feel sorry for you. You stoled money from my family and your boss said he ain't giving you your job back because he don't want to deal with us. If she would of listen like the operator she would of know I was calling to make an arrangement to pay them back since I got my job back. Sometime this week of XX/XX/XXXX they contacted my company again and harass them. And same situation from XX/XX/XXXX I'm having with my boss. I'm now just working 20hrs instead of 40hrs. I know it's because they really don't want to deal with my problem that I'm having with consumer financial services. Please advise.