davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-04
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (DC)

On XX/XX/XXXX I made the last payment on my XXXX XXXX account. I have used the company multiple times for furniture financing and have had this account since XX/XX/XXXX. In XX/XX/XXXX I had a financial hardship and as a result I had the only late payment I have ever had on this account. Because I paid the account off two months early, XX/XX/XXXX, and only had one late - I wrote a letter to this creditor ( received by Synchrony on XX/XX/XXXX ) asking for consideration of forgiveness for my single late as I am in the process of buying a home. I did not receive a response to that request but three days later ( XX/XX/XXXX ) I received an email stating they were closing my account due to my credit score, the credit report also cited a pull date of XX/XX/XXXX. Although the account has a Status of " Paid, Closed '' it also was updated with a Comment stating " Account closed at credit grantor 's request '' and is reflected as a potentially negative item on my credit report. Since I completely paid off the account without any new transactions more two months prior and the credit report referenced as being the backbone for a decision in XX/XX/XXXX, was pulled in XX/XX/XXXX, I have reason to believe the Comment placed on my credit report and the account closure was done out of spite.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-11-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I noticed some medical bills reporting on my credit that did not belong to me and reported this issue to TransUnion, XXXX, and XXXX on XX/XX/XXXX. After all 3 bureaus claimed to have completed an investigation and delivered the results of their investigation to me onXX/XX/XXXX ; XXXX had removed all of the medical bills that reporting on my credit incorrectly and XXXX and TransUnion had removed some of them but not all of them. I contacted Transunion and XXXX again on XX/XX/XXXXadvising them that none of the medical bills reporting on my credit file were mine and to please mail me the person/s who had verified this inaccurate information as is my rights under the Fair Credit Reporting Act. After this second request to TransUnion and XXXX  both removed all of the inaccurately reporting medical bills from my credit report. I just checked my credit report today and TransUnion is reporting a medical bill that I disputed and had removed on my credit report again. Both XXXX and XXXX have not continued to report this inaccurate reportings and TransUnion for some reason why continues too. Please investigate and provide me with this nonexistent proof that this medical bill is mine and reporting accurately.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CO)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against these agencies a late payment on my credit card account. THe following accounts is listed below 1. XXXX Bank Account number : XXXX Date opened : XXXX XXXX, XXXX XXXX. Capital XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX. XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX. XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX. XXXX Of XXXX Account number : XXXX Date opened : XX/XX/XXXX According to 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account as late unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by section 1637 ( b ) of the title, is mailed or delivered to the consumer not later than 21 days before the payment due date. 

In this case, I believe that XXXX XXXX did not comply with the regulations outlined in 15 U.S. Code 1666b, as my payment was treated as late despite being made within the required timeframe.

I am requesting that the Bureau investigates this matter and takes appropriate action to rectify the situation, including removing the late payment from my credit report and ensuring that XXXX XXXX is in compliance with the regulations set forth in 15 U.S. Code 1666b. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-02-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

We have had multiple issues with our escrow account through LoanCare and XXXX XXXX. They are by far the worst servicing company I have ever experienced, through over 5 separate mortgages we've had. First, they refunded us $ XXXX from our account that needed to be used for taxes. When the taxes came to be paid, we waited for them to send us the notice to pay back the amount and it never came ( the funds remained on the side as we knew it had to be paid back. ) We received our tax bill from XXXX XXXX and they had to make adjustments to the value ( decreasing the amount due by appx $ XXXX ) and I've submitted to the loan servicer multiple times in the last 30 days so they can update our escrow needs. They continue to tell us it will be reviewed but in the meantime are trying to have us pay the higher amount towards our escrow. When the letter finally came regarding the $ XXXX, they did not give us an option to pay that alone, and just adjusted our mortgage payment by $ XXXX. 

Due to the constant errors in our escrow account, we've continuously placed requests to delete our escrow account and we would pay accordingly with XXXX XXXX and insurance company. They keep making excuses why it can't be done, saying the case will be " escalated '', and nothing happens. We have called over 10 times in the past 10 months to try and have the issue resolved. They told us we'd need a new appraisal to confirm we had 20 % equity in the home, so we confirmed we'd pay the fee and to order it. We called on several occasions over the last year to know when the appraisal would be ordered/completed and no one could answer. They told us a letter would be mailed with the cost and to sign off but a letter never came. 

This has been ongoing since we closed on the property since XX/XX/2021. We can not get ahold of anyone, the numbers we agreed to pay are incorrect, our tax escrow is incorrect, and after multiple requests to have everything resolved we are ignored, passed off, and lied to about why they can't help. We just want this fixed and to pay the proper amount on our mortgage. We've never missed a mortgage payment in over 10 years, have plenty of liquid assets, and no reason why we can't correct these items.
Consumer complaint received 2017-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NY)

I received a letter from American Express that they had changed in error changed the structure of my Green Card. This was done without my consent or knowledge. The changed had caused me to incur interest and late fees unknown to me. They have supposedly credited my account the interest and late fees but have since tripled my minimum monthly payments and restricted my card usage. I feel as though theyre having me pay for their error. Theres no way I can make a minimum payment of {$2000.00}. They have threaten to report me to the credit bureau. I feel the entire ordeal is unjust and have explained to them I have no problem paying the suppose debt theyre holding me to but to balloon my monthly minimum is causing me financial hardship as a single working mother. Ive outlined all that in a letter to their Chairmans Office but have not gotten a response from them on the matter.
Ive had my American Express card for 18 years and have never had an issue with them until this error which they acknowledge in a letter to me they caused.
Consumer complaint received 2020-11-26
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: Credit Plus Inc (FL)

On XXXX. XXXX, XXXX, XXXX XXXX add a hard inquiries on my credit reports per XXXX, XXXX  and XXXX. 
On XXXX XXXX, XXXX, CREDIT PLUS add a hard inquiries on my credit reports per XXXX XXXX and XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX  add a hard inquiries on my credit reports per XXXX  and XXXX.
Consumer complaint received 2017-11-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

ii have been in my home since XXXX when i purchased my home i included my taxes insurance and mortgage as one payment so i received notification that my taxes werent being paid from XXXX thru XXXX i had no clue of this my mortgage company told me to contact my tax office get the amount due and they would take care of it which they supposed to have been doing antway so they paid it and now want me to reimburse them thru my escrow i dont understand why all of a sudden this happened from XXXX to XXXX but not XXXX to XXXX its not fair for me to be taken advantage of while im already struggling to do the right thing by paying my mortgage please help me get this resolved carrington mortgage says my escrow is {$5900.00} behind and i owe them that so they went up on my house note byXXXX $ please help get this resolved thru this complaint thank sincereley XXXX XXXX
Consumer complaint received 2017-09-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: WLCC (KY)

I did n't realize that online payday loans were illegal in Kentucky if they did n't have a store front. They had it hidden in their paper work that they can garnish my wages. Because of the large interest fees it is difficult to pay this loan off.
Consumer complaint received 2017-11-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

The basis for my dispute is XXXX XXXX '' XXXX balance of {$0.00} was required to notify me prior to XXXX/XXXX/XXXX, or no later than 30 days after XXXX XXXX failed to notify me about reporting derogatory info.In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XXXX/XXXX/XXXX, furnishing the negative information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ) .Plus broke commercial law under UCC 9.501 that all notices were timely and properly given bydated certified mail receipt. They were not met. I asked for documentation & received no response.
Also, failed to send the 60-day notice described in the above section entitled 60-Day Notice of Intent to Report to Credit Bureau ; filed for a review of the debt. See 31 U.S.C. 3711 ( e ) ( 1 ) ( D ) for all Federal Student Loans. 

Also, XXXX XXXX '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of CA allows treble damages.
Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve & Office of Management and Budget ( OMB ) OMB Circular No. A-129 Revised, Policies for Federal Credit Programs and Non-tax Receivables XXXX XXXX is held liable as well for defamation and in the state of CA a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) citing XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Tex.App-XXXX XXXX writ dism 'd w.o.j. )
Consumer complaint received 2023-03-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (AL)

Money was overdrawn from my account which is incorrect. Wells Fargo Representative/ Supervisor XXXX XXXX informed me on a recorded line that they can put your account in the negatives with their desecration whenever they get ready and feel like it
Consumer complaint received 2017-11-04
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. (MS)

I HAVE SUBMITTED THE EXPLANATION OF BENEFITS TO XXXX XXXX XXXX SHOWING THAT THERE IS XXXX BALANCE ON XXXX XXXX BILLS. THE PART THAT THEY KEEP BILLING ME FOR IS A DISCOUNT WHICH ERASES OVER NEGOTIATED FEES OF THE HOSPITAL BILL. 
I HAVE DISPUTED THIS SERVAL TIMES AND THEY HAVE NOT MADE THE CORRECTIONS ON MY CREDIT REPORT. THE DEBT COLLECTIONS NEED TO BE REMOVED FROM ALL CREDIT REPORTS XXXX, EXPERIAN, XXXX 
I AM GOING TO ATTACH ALL EOB FROM XXXX WHEN I HAD XXXX XXXX XXXX AND I AM GONG TO ATTACH EOB FROM MY INSURANCE XXXX FOR XXXX FOR XXXX XXXX. 
I JUST RECEIVED A NEW CREDIT REPORT FROM XXXX XXXX AND EXPERIAN AND THIS IS THE FIRST NEGATIVE INFORMATION THAT APPEARS ON MY REPORTS THAT HAS DECREASED MY XXXX XXXX BY SEVERAL NUMBERS DOWN. I HAVE DISPUTED THIS MORE THAN 30 DAYS AGO AND THEY CONTINUE TO POST IT. THIS IS AGAINST THE LAW. 
I AM ATTEMPTING TO REFINANCE AND THIS IS HINDERING ME FROM MOVING FORWARD WITH XXXX CREDIT AFTER PAYING IN GOOD FAITH TO REPAIR MY CREDIT FOR THE PAST SEVERAL MONTHS. PLEASE ONCE AND FOR ALL REMOVE THE DEBT COLLECTIONS AS I DO NOT OWE XXXX XXXX XXXX ANY MONEY AND I NEVER HAD A CONTRACT WITH THEM TO PAY THEM MONEY THAT I DO NOT OWE.
Consumer complaint received 2023-03-10
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc. (MO)

I was contacted regarding my student loan debt about a student loan forgiveness program by Processing Direct. After much deliberation and asking many questions with answers of assurance this information was correct I agreed to pay {$75.00} every 2 weeks for 4 months and as long as I recertify yearly for the next 4 years and make less than {$120000.00} a year the remainder of my loan will be forgiven at that point through a revised pay as you earn program where I will owe $ XXXX  monthly after the initial {$600.00} is paid. After all 8 payments cleared I received a letter from federal student loan services about my request for loan consolidation with a pay as you earn loan for a monthly payment plan over a 10 year time. I called and spoke to someone where the letter cane from and cancelled that loan and he gave me a number to CFPD illegal activity because he said there are no forgiveness plans by those guidelines given by Processing.Direct. Reported through the phone number and was given this site to file a report. This company is lieing and taking advantage of people by misleading them into thinking they are doing something to benefit them when they aren't. Taking money from people and their families while providing false assurances and information. I can file for pay as you earn through my student loan company. None of the money they took went towards my loan balance.
Consumer complaint received 2019-07-19
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SIMM Associates, Inc. (MD)

I, XXXX XXXX have been abused for years on a privatized student loan debt that is no longer enforceable in the state of XXXX This debt was originally procured through XXXX  XXXX XXXX, then assigned to XXXX XXXX XXXX XXXX XXXX XXXX. Now I was living in the state of XXXX when I dropped out of college several years ago. I have been harassed with multiple collection agencies for these years. The statute of limitations for XXXX is 5-years. Since I now live in XXXX the statute of limitations is 3-years. This student loan never had a connection to the U.S. Department of Education. However, for years I have been harassed by a company known as Simms Associates. This agency has moved this collection to my personal credit report as well as my mothers credit report. Now the scam has gone to a new level of corruption. Simms Associates has no standing legal collection process. So recently they assigned the collection to a law firm known as XXXX XXXX XXXX XXXX, XXXX, located in XXXX, MD XXXX. An agent that has my power of attorney made a settlement offer on two occasions. There is not even a requirement to settle the matter. An individual from this law firm stated that their client has refused both offers. When a demand for the law firms client was, the name was refused. We all know that this is Simms Associates trying a new threatening method trying to collect a debt no longer owed. The timeline for summary judgment has passed for both Florida and Maryland. This aggressive collection practice is a clear violation of the Fair Debt Collection Practices Act. The third-party must always be presented, and this is not the case in this matter. The one-time settlement offer presented by my agent is still on the table until XX/XX/2019. After that date, I will file a complaint against XXXX XXXX XXXX, XXXX. with the Maryland Bar Association. 
In XXXX, the statute of limitations requires that a law suit be filed within 3 years for written contracts, and 3 years for open accounts, such as credit cards. For credit card debt it means the date of the last activity on the account or the date the account was written off as a bad debt was at least 3 years ago. This means that if your account is older than 3 years you can raise the statute of limitations as a defense to the complaint. However, the statute of limitations only covers the right of the creditor to sue you in court.
Consumer complaint received 2024-10-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Diverse Funding Associates LLC (NC)

I was contacted by a company on XX/XX/ stating that I owe {$1600.00} to DNF Associates LLC. The first representative was very rude and threatened to contact my job and take me to court. I hung up and called back to speak with a different representative who apologized. They said they would send me a copy of the agreement and debt validation. On XX/XX/, I received a bill from XXXX XXXX, but what she sent isn't accurate. The email will also be attach that shows no explanation was given just the statement I still haven't received a copy of the purchase agreement. I would appreciate assistance in getting this issue resolved. Thank you.
Consumer complaint received 2017-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Convergent Resources, Inc. (IN)

XXXX XXXX XXXX has been reporting the same XXXX on my account for years now they have at this point duplicated the account for the exact same amount they have refused to response any of my letters as well as a TransUnion dispute and and Equifax dispute they have completely just went rogue and duplicate the same account on my credit reports for all the bureaus.
Consumer complaint received 2017-11-04
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: EQUIFAX, INC. (NC)

I have called on multiple occasions advising that the inquiries were fraudulent and I was directed by the companies to contact the credit reporting agency since I was affected by the past breach with Target in XXXX and the past Equifax breach when i put my information. 

The unauthorized inquiries are : XXXX XXXX Date XXXX/XXXX/XXXX ( This is unauthorized because I already had an auto loan with them no need to run my information XXXX XXXX Card Date XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Date XXXX/XXXX/XXXX Mariner Finance Date XXXX/XXXX/XXXX XXXX Main Date XXXX XXXX XXXX Main Date XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Department of Education XXXX XXXX/XXXX/XXXX XXXX I graduated in last XXXX XXXX and consolidated my loans they did not run my credit so i dont know what this is )
Consumer complaint received 2017-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MD)

It 's concerning inquires on my credit report for the past six months, that I have not had involvement with. I have noticed that my report shows 13 hard inquires to include my credit dropping really low in the past month. I have n't been asking for credit because I knew that I did n't have any, due to short sale of my home in XXXX. I have paid off all of my collections since then and they are still showing on my report as well.
Consumer complaint received 2017-11-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (AZ)

I have disputed this invalid debt multiple times Once with XXXX XXXX back in XX/XX/XXXX and most recently with XXXX XXXX inXX/XX/XXXX Collection agency still states the debt is valid but when I ask for the proof. I never receive a response back to actually receiving proof of the debt and how it had been validated