davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NY)

I am a recipient of NYS XXXX. My coverage renewal was mailed to me XX/XX/XXXX. I had to fill out my NYS renewal forms and mail it to : Mail Renewal Program, XXXX/Medical Assistance Program, XXXX XXXX XXXX, XXXX NY XXXX. I mailed my forms in on XX/XX/XXXX. XXXX/Medical Assistance XXXX received it on XX/XX/XXXX. This form was sent to renew with my managed care program ; XXXX XXXX XXXX. I never received any updates via regular mail as I had requested when I signed up with my public assistance service. It was n't until I was inquiring on my coverage in XX/XX/XXXX that I found out that I no longer had XXXX XXXX Coverage. So, my coverage was canceled from XX/XX/XXXX to XX/XX/XXXX. I called my local social service office at XXXX XXXX and received the following status of my account:1. My mailed in application did not get processed after it was received on XX/XX/XXXX because it got transferred to the bottom of the list. 
2. On XX/XX/XXXX my account was noted under another persons name. 
I was then instructed that a new renewal form will be mailed out. I need to fill out and then return it. Weeks passed and I never received the duplicate renewal form. So I went into the social service office at XXXX Program, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX on XXXX to submit a renewal form in person, which I did. After I submitted this form, to my surprise, I received a renewal form again in the mail on XXXX. The reason why this is important is because during the time when my Managed care coverage had been canceled from XX/XX/XXXX to XX/XX/XXXX I made an appointment to see a Doctor who accepted my manage care coverage for payment. However, since I did n't have coverage during that point in time, now the doctor is billing me for the lapse in coverage of {$36.00} for patients with no health insurance coverage and {$320.00} for patients with healthcare coverage as what I have. XXXX XXXX is also billing me for {$77.00} for service rendered on the same date. Now XXXX XXXX and the Doctor is threatening to send my account to collections because of the payments not being paid. The account number for XXXX XXXX is XXXX XXXX XXXX invoice # XXXX. The date of service was XX/XX/XXXX. 
Dr XXXX collection number is XXXX at XXXX XXXX XXXX ext XXXX XXXX # XXXX service date XXXX/XXXX/2015. My NYS XXXX Benefit Account # is XXXX My Managed Care XXXX card # is XXXX. I am requesting that NYS XXXX or XXXX XXXX XXXX be responsible for this bill since neither of them notified me that I no longer had this medical coverage. Had I know this, I would have went to a straight XXXX provider for medical assistance. Please send me a response back in the mail at my address : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX XXXX My phone number is XXXX XXXX XXXX Thank you.
Consumer complaint received 2015-05-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (MI)

On XX/XX/XXXX a request for judgment in the amount of {$1100.00} plus costs ( now over {$1400.00} ) was asked on behalf of the XXXX XXXX XXXX from a debt collector through attorneys XXXX, XXXX XXXX XXXX XXXX XXXX acting on behalf of LVNV Funding. I never received notice of this while the Plaintiff tried to reach me via server or certified mail during XX/XX/XXXX because I had moved to XXXX that month. The XXXX XXXX XXXX ordered a notice issued in the XXXX XXXX XXXX. Again, I never read the paper after living in the county and town of XXXX for XXXX years after moving to XXXX in XXXX. A default judgment was awarded to the plaintiff by the court and I only found out about it in XX/XX/XXXX when I received notice I would be garnished in the amount of 25 % of my wages. I contested the garnishment on the basis I was not notified and this was not my debt. On XX/XX/XXXX the judge denied my appeal and the garnishment has continued. I contend that this debt is not mine and I have asked the current attorney, XXXX XXXX XXXX at XXXX, XXXX XXXX XXXX for proper proof that this is my debt. He stated he would have to take some time to do so. In the mean time I have received another letter from XXXX XXXX XXXX XXXX, on behalf of LVNV, for {$3300.00} for another debt that is not mine. I am in the process of asking for proof of this debt. The only negative marks on my credit report are from LVNV and XXXX XXXX, another collection agency related to LVNV. I believe that LVNV is fraudently garnishing my wages and attempting to collect more through illegal and immoral practices. Their license was taken away in Maryland a few years ago and ordered to pay restitution of over {$10.00} XXXX to people they had collected funds from in which they had no right to do so. I am looking for a stop of all collection attempts and garnishments. While the XXXX XXXX XXXX XXXX have followed the law in denying my request for appeal, I believe that this debt must be proven to be mine by the collector before being able to do so. If in criminal court a person is innocent until proven guilty then should n't this also hold true for civil cases? By the way, the only paperwork given to the court by the original attorneys in this case is a blank credit card agreement with no name, social security number, account number, amount, or signature. How can this be used to show that I owe anything to this company?
Consumer complaint received 2016-01-17
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (NV)

This is a notice to cease unauthorized inquires into my credit report and a formal demand that you immediately contact the credit reporting agencies and bureaus to have your illegal inquiries removed. While checking my personal credit report from XXXX, I noticed an inquiry made by your organization. 

The details of the inquiry are as follows : Address Identification Number : XXXX Inquiry made on : XXXX/XXXX/2014 Inquiry made by : CHASE AUTO I did not approved your organization, or any person associated with your organization, to make such an inquiry. This violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. I also demand that you remove my personal information from your records. Please send written confirmation that you have complied. 

If you believe that you posses sufficient document that supports your authorization to make the inquiry, please forward a copy so that I may verify its validity.
Consumer complaint received 2015-04-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC. (CA)

According to my credit report, there is a collection item showing that does n't make any sense. Not only does it have my XXXX delinquency in XXXX but it also has my account being opened in XXXX. On top of that, the last time I was delinquent on any account was in XXXX. The name of the company showing the collection is Asset Acceptance Corporation. I have requested them to validate the debt to no avail. I am sure they purchased and ancient collection item and put it on my credit report as if it were still within the XXXX. 
As I have stated, I have not been delinquent on any account since XXXX and did NOT open any accounts until XXXX. There should be no retail credit account on my credit report opened in XXXX, XXXX, XXXX, XXXX, or XXXX. My wife added me on as an authorized user on XXXX of her accounts that were open in XXXX and I have student loans opened in those years. I have requested validation of this debt numerous times and I ca n't seem to get them to explain to me how they claim how I went delinquent on an account in XXXX that was OPEN in XXXX. On top of that, I am 100 % sure I NEVER opened any type of retail credit account in the above mentioned years. 
I want Asset Acceptance Corp. to acknowledge that this account on my credit report is re-aged, has become a zombie debt, and needs to be removed immediately. I have no plans on seeking legal action against them at this time, I would just like this resolved. 
Please pull my credit report and verify the information that I am telling you ... there is no other collection item or closed account that correlates with this collection item. Thank you so much for taking my complaint ... not a day goes by when I do n't thank XXXX for XXXX XXXX and all that she has done for the XXXX people. This agency is XXXX more thing to add to her legacy.
Consumer complaint received 2015-09-26
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NJ)

I am appallingly concerned about how the mortgage servicer has handled my account since they have been the overseer and am requesting an investigation of my mortgage account and how my payments ( principle, interest and escrow ) have been applied since XX/XX/XXXX when I believe there was an accounting error that initially forced me into foreclosure. I was awarded a HAMP modification in XX/XX/XXXX where terms were established which I complied to, for them to increase my payment by {$500.00} monthly after 14 months of payments stating it was the increase of escrow that had not been disclosed during the underwriting process or prior to the trial period or permanent modification. I contacted my township for them to tell me there had been no increase that year on property taxes. The increase in my homeowners insurance did not substantiate the $ XXXX/monthly increase they applied. Now that I am back in foreclosure due to the hardship of a fire and also the payment increase they claim is due to a rise in escrow, I would like my account investigated to prove this is true. They claim I defaulted on their adjusted terms that were not the terms I agreed to and signed which has since caused me to be ineligible for another HAMP review and qualification. Now I am again trying to see if there are any unspoken underlying cost factors that could come out after the trial period or permanent modification that would land me back in the same predicament as before, now being offered another modification? My mortgage has again been taken over by another servicer whom I was not notified about and I have concerns about whether they are legitimately able to foreclose? I would also like to request the servicer prove they hold the original mortgage Note to be able to foreclose on my property. Since the servicing company prior to this takeover, my mortgage has been a nightmare and I believe deep in my heart that there have been undisclosed errors that are unfair and falling on me. I think this is a gross misconduct and I need to know that I am not being taken advantage of. I want to keep my home and if this is a legitimate offer that they can not or will not impose a significant increase upon completion of the trial period and permanent modification and the numbers are accurate, I would be more than happy to agree to it. It just appears the servicer is preying on struggling homeowners like myself to force them out of their properties and I want to satisfy my conscious to make an educated and informed decision when possibly entering into this modification agreement. If it is found they have fault in the servicing of my loan or are not the original Note holder, justification for me would be to reverse the foreclosure and correct the numbers to provide an accurate account of what I actually owe so I can live my life without the fear of foreclosure unless deemed necessary by my fault, not theirs.
Consumer complaint received 2016-03-31
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AR Resources, Inc. (TX)

On XXXX XXXX, 2016 I was mailed a request for payment from this collection agency. On XXXX XXXX, 2016 I responded disputing the debt and asking for validation. Thirty ( 30 ) days later I had not received a reply from the company. On XXXX XXXX I mailed them a letter per Texas Finance Code that the time to validate the debt had passed and they could no longer continue pursuing payment. On XXXX XXXX the account was placed on my credit report as a unpaid collection. This company has violated my rights under the FDCPA and the Texas Penal Code as they are illegally attempting to collect debt in Texas since they do not have a surety bond registered with the Secretary of the State. As the attached file shows along with fax info this company has received info informing them of my dispute yet they placed the erroneous info on my report anyway.
Consumer complaint received 2024-09-02
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. (MD)

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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2015-05-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AZ)

in XXXX I received a letter from XXXX XXXX XXXX stating the rate of the MIP will be lowered from 1.35 to .85 % and my payment will drop about XXXX $ I did n't need to do anything it would just come off in XXXX then I get another letter from Carrington Mortgage stating they have bought the loan and will be servicing the loan the rate was not dropped I called and they stated it will in time I just called again and asked why it has n't dropped yet they stated I di not qualify for the reduction in MIP due to the loan was not old enough???? Help
Consumer complaint received 2016-01-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Carmen V. Porreca, P.C. (GA)

this company continues to harass me for a debt i do not owe in 2014 they did XXXX hard clicks on my credit and know they are sending me a collection letter for XXXX for XXXX i do n't owe this never have it was cleared with XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2015-04-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (PA)

Our Mortgage was purchased by Roundpoint Mortgage Servicing Corporation in XXXX of 2014. In XXXX 2014 they took funds from escrow to pay our city tax. In XXXX of 2014 we received notification from the city that our taxes were never paid. We immediately contacted Roundpoint. After some investigation on their end, they told us that they pay taxes in " groups '', and our payment went to someone else 's taxes. Roundpoint said they would correct the error, and make sure our taxes were paid. They never credited our escrow account for the misappropriated tax funds, they just took another deduction from our escrow to pay the tax bill. At XX/XX/2014, they performed a escrow analysis and found our escrow to be short ... They sent us notification that our monthly escrow payment was to be increased by {$100.00}. I immediately called them to ONCE AGAIN complaint that they still had not credited the funds for the misappropriated taxes back to our escrow. Every time I call, I am connected to a different account representative, who always says " they are going to open an investigation ''. I was told I was not able to speak directly to a manager, and that they do n't even speak with management ... They have to email a manager and wait ( with you on hold ) for a reply. I have spent countless hours on the phone with these people, and they ca n't seem to make it right!!! Now, we have no choice but to pay the higher mortgage payment, because if we do n't, there will be negative consequences to our credit history. I am so sorry that this institution purchased our mortgage.
Consumer complaint received 2024-09-02
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. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (CA)

My personal loan account with Upgrade.com was fully paid in XX/XX/year>. In XXXX this year I filed XXXX  XXXX bankruptcy. Even I'm fully paid with Upgrade they have a checking account that waa open a while back which i never used so my lawyer and the bk court still had Upgrade listed on my bankruptcy filing. My bankruptcy was discharge this XXXX. Upgrade closed the checking account which was fine as I don't use it. However they are reporting my fully paid account in XXXX before the bankruptcy as a charged off and they will not give information why the did this. Further they want my bankruptcy lawyer to get in touch with them when I keep saying there is no more lawyer as the bankruptcy was already discharge last XXXX
Consumer complaint received 2024-10-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (DE)

on XX/XX/year> i received a text message from Truist Bank about a fraudulent purchase that was made on my debit card followed up by a phone call. The person on the phone represented themselves as a Truist Employee with fraud department. the person asked if i tried to make a purchase a XXXX in XXXX, XXXX  XXXX. i replied no then he said lets go over your last XXXX transactions. he started with the first few then said i better send you a text with a code to verify it was you. sent code i provided him with the 5 digit number and he continued with the other transaction. all of which i made. he then said did you try to send a XXXX  payment to to a XXXX XXXX or XXXX XXXX for XXXX i said no then he said did you one to a XXXX XXXX i relied no XXXX is my son. he said XXXX was sent to him from your account. i responded i did not send him any money. he said call XXXX  and get him to send the money back. few hours later i got a hold of gage at home and he attempted to send money back. his bank would only allow XXXX to be sent. the information on the scene had my name and phone number and when he hit send it sent to a different name. i checked my account in the morning and the the XXXX  payment was not in my account. i call truist bank and it was learned the above person was not a truist employee. i immediately closed my account. i called my son and told him not to send the the XXXX he said he just sent it and it went to a XXXX XXXX account. i then filed a complaint through Truist. they said they would investigate the unauthorized activity. few days went by i called to find out what was going on. the lady on the phone told me they were not going to do anything because of the relationship between XXXX  and I. because i sent him money before. i tired to explain and she said the analysit made their decision and i could do nothing about it. i called and called spoke to several people and finally one said i could contest their decision. i also went to the local branch and the teller was like you should get your money back. i called again and person said the decision is final talk to XXXX  about your money. i told them someone hacked my account and changed my XXXX  information. i did not sent the money. and basically i was out of luck, i did not send the money and did not authorize anyone to send the money. i thought my funds were protected at the bank. i could really use some help in this matter thank you XXXX XXXX. i have copy of screen shots from phone
Consumer complaint received 2024-10-02
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC. (NJ)

My lease was over in XX/XX/2024, I called to have an extension until XXXX, which I was approved. I have tried to be in contact with Chrysler since then because I noticed that there was an accumulated late fees in the amount of {$900.00}. I don't understand why I was not notified that I was paying on a wrong date and also, I was reported to the credit bureau for not paying. I can not make a payment as it states ( MY ACCOUNT IS PAID IN FULL. NO PAYMENT IS DUE ). I then called them and stay on hold for almost 2 hours, and then my call call hangs up..