davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-11
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ECMC GROUP, INC. (NV)

On XX/XX/XXXX I, XXXX XXXX XXXX, received a call from ECMC ( Education Credit Management Corporation ) violating 15 USC 1692c. I have sent them a Cease and Desist Letter/Debt Validation Letter/Affidavit if Truth/ Invoices and it was sent Certified Mail with a return receipt received and signed on XX/XX/XXXX. Upon XX/XX/XXXX, I was harassed and threaten with garnishment of wages by telephone and received threatening documents, ( violation of 15 USC 1692d ) sent through the mail to my mailing address. According to the The FDCPA I demand remedy for XXXX in a check by mail only. Also they are in Violation of the TCPA which I demand an additional XXXX for each day afterwards, which are the following : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I seek remedy for this for a total of XXXX in a check along with my additional invoice sent to them. Pursuant to 15 USC 1681 and 15 USC 1692f they have reported false information and I would like these accounts removed with specified remedy pursuant to 15 USC 1692k. This is a Third Party Debt Collector and I have asked for Validation NOT VERIFICATION pursuant to 15 USC 1692g, which they have not produced or responded too. I sent a Letter asking for this information on XX/XX/XXXX with a response from XXXX, not Validating but verifying an " Alleged '' debt. On XX/XX/XXXX, I received an return receipt after sending the Validation Letter, which is attached but they stated on the phone they had not received anything for this year. Still no response received. Pursuant to 15 USC 1692j, According to ( U.S. v.s Throckmorton, 98 US 61, at Pg. 65 ) ECMC has committed fraud and there is no Statue of Limitations on Fraud and I have no contract with ECMC and would like this removed from my Consumer Report pursuant to 15 USC 1681a and payment sent to me. Please help me resolve these matter. Please and Thank You
Consumer complaint received 2021-07-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (GA)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2021-12-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NJ)

To whom it may concern, I had a XXXX  XXXX credit card by synchrony Bank, I bought a scooter {$1200.00}. I send two payments to Synchrony Bank the first money order was on the amount of {$280.00} and the second and last was for {$990.00}. XXXX XXXX call me and said I still have a balance of {$590.00}, I call Synchrony Bank and they told me I dont have any balance on my card to call XXXX XXXX and I did, but they told me to call the Bank XXXX and this is been a nightmare calling back and forth, I have proof the I pay the item I bought from XXXX XXXX, but they still want me to pay again because the bank dint forward the payment to them. The bank got full payment on the credit card, and apparently dint send the money to the XXXX XXXX, I dont work for the bank or for XXXX XXXX, my responsibility is pay my bill as soon as I get it, and I did. Thank you Att : XXXX XXXX
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XXXX, XXXX and Equifax ) on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020. 
In my letter sent and received by XXXX, XXXX  and Equifax I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been almost 6 months from my first written request and more than 3 months since my second written request and I still have not received any responses.
Consumer complaint received 2022-01-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SECURITY FINANCE CORP (TN)

I sent a billing error notice to Security Finance, which was received on XX/XX/2021, requesting documentary evidence to verify the source of funds pursuant to 12 CFR Part 1026.13 ( a ) ( 6 ). In my request, Security Finance was supposed to provide the books of accounting for both the public and private sector particularly IRS Publication 583. I have called on multiple occasions regarding this matter, but Security Finance has failed to respond. It has been beyond 30 days and Security Finance has defaulted on the matter. 

I also sent the organization a cease and desist in XXXX. The cease and desist order was to cease all communications. The company has sent late payments to all consumer reporting agencies without acknowledging my billing error dispute and without providing the evidence of indebtedness. 15 U.S. Code Section 1692a ( 2 ) defines communication as the conveying of information regarding a debt directly or indirectly to any person through any medium. The organization is in violation of the cease and desist order.
Consumer complaint received 2020-12-07
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: ALLY FINANCIAL INC. (FL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, ALLY FINANCIAL add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-12-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CONTRACT CALLERS INC (NJ)

I received a knock on my door, stating they were from XXXX last month, I informed them I was not interested, then I receive three letters in the mail within the last thirty days stating it is from a debt collector for XXXX. It is a fraudulent debt collector for XXXX. I called XXXX and informed them of the impostor knocking on my door and again today, after receiving this fraudulent letter. I always have a credit in my account.. 

The headline : CCI, Contract Callers Inc Their account number XXXX Their stating the creditor is XXXX Amount due : {$40.00} Signature, XXXX XXXX manager Phone number, XXXX XXXX informed me they are aware of the fraudulent debt collectors Here are the options of paying the fraudulent charge Download Iconnect mobile app through XXXX XXXX  or XXXX  store Call toll free, XXXX Mail to XXXX XXXX XXXX  XXXX XXXX Georgia XXXX or go online XXXX Thank you for your time and consideration into this matter
Consumer complaint received 2020-12-07
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (IL)

In XX/XX/2020, my daughter and I contacted PNC Bank in an effort to refinance our multifamily to take advantage of lower mortgage rates. This process brought to light exorbitant closing cost fees and prejudicial appraisal practices encouraged by PNC Bank. 

During the documentation process, we came to learn that PNC Bank charges what is considered exorbitant closing cost fees in excess of {$19000.00}. After checking with other institutions, it was confirmed that this amount is considerably high for a residential refinance. 

After a long documentation process, we then endured what we found to be a prejudicial home inspection/appraisal performed by XXXX XXXX, XXXX in which we believed that the property was greatly under appraised based on other recently sold neighborhood comparables. The property was appraised at {$670000.00} in an area in which other comparable properties are valued at $ XXXX {$800000.00}. The property was appraised just two years prior during purchase at {$720000.00}. Additionally, over the two year period of ownership we put in an additional {$100000.00} of improvements into the property. We expressed our dissatisfaction with the appraisal and requested a secondary appraisal be performed. This request was denied. However, we were told that we could request an appraisal rebuttal for which the property could be re-evaluated. For this process, we submitted a number of comparable properties that had recently sold in the area for high amounts. Nonetheless, the comparable properties were simply rejected by the appraisal company and a re-evaluation never occurred. 

For the above reasons, my daughter and I decided to decline the mortgage refinance. A few weeks went by when we received a letter in the mail from PNC Bank expressing that the loan had been denied due to credit denial, not that we had decided to opt out of the loan or that my daughter and I both had credit scores that were over and above what PNC Bank deemed as good scores that were well over XXXX. 

We contacted PNC numerous times to submit a complaint and to discuss the issues. Many attempts to contact the bank went unaddressed. Yet, after a number of persistent phone calls, we were able to get a return call from the manager of the loan department named, XXXX XXXX. During the conversation, she seemed to be explaining a different reason for the denial that did not match what was stated in the denial letter we received. So, I asked her if she had reviewed the letter we had received along with the complaint that had been submitted. Sadly, she had to admit that she had not read them prior to returning my call. How can a manager address a complaint and follow up with a customer on an issue when she has not properly prepared herself?
Consumer complaint received 2021-01-21
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: EQUIFAX, INC. (UT)

In 2017 I submitted a complaint with you, and now after not getting any results from my mortgage company, there was a class action lawsuit brought against them for improperly reporting. I received a check and a statement that stated " As part of the settlement agreement, XXXX XXXX  has requested reporting agencies to delete records related to closed accounts, credit inquiries, and/or delinquencies. However, I have sent this letter, and disputed it with all three credit reporting agencies, and neither XXXX XXXX, nor the credit reporting agencies have corrected the issue. I am showing 34 past due payments, and none of them were ever past due. I have fought with this company for the past 4 years.
Consumer complaint received 2020-12-07
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (MA)

We booked a vacation through a property management company, and when we arrived at the location, the previous tenants had destroyed the property. We attempted to resolve our issue with the company, as we were not able to stay at the location. The company is stating we were offered other accommodations, and declined them, which is a lie. As such, we were required to book with another company, and did not receive a refund. We have attempted to dispute this with the credit card company, but have been denied, as the rental company is lying to them about the situation. This was from XX/XX/2020 for {$1800.00}.
Consumer complaint received 2020-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (TN)

During the month of XXXX I had a failed payment for my credit card through Discover Card. When attempting to sign into my online account I was denied access and immediately called customer service to find out why. I was informed that I needed to send in documentation requested by the fraud department on XX/XX/2020. I was unable to make a payment until then. I faxed all requested documentation in asap. While waiting for a response or update I called about my payment on XX/XX/XXXX and was told that it would be deferred without penalty or late credit reporting. I still hadn't received any notification about my sent in documentation. When attempting to make a payment for the month of XXXX I was told that my card had been closed without an explanation. One week later I received a credit monitoring notification that Discover reported my account as 30 days late, although I was told that the payment was deferred. I've made multiple phone calls without explanation or reason as what is going on with my account or its closure. I had my brother, an authorized account user, call with me and finally received a frustrating explanation. Discover explained that my account was closed because some of my documents that I faxed were illegible. They stated that they sent a letter to my home on XX/XX/2020, explaining that the documents needed to be resent or the account would be closed. I never received this notice or any other correspondence regarding the matter. I also never received an account closure letter that Discover says was sent on XX/XX/2020. To make matters worse although I did not have online access to my account nor was able to make a phone payment, I received another notice today that my account is 60 days past due. Discover has caused the credit score of my brother and myself drop significantly with lack of information and communication. This has impacted my brother drastically, as he is an XXXX service member currently stationed in XXXX and is 30 days away from returning to the US and scheduled to close on his home mortgage. As a XXXX XXXX working multiple jobs as well as dealing with family XXXX issues this has added a heavily undue amount of stress and terribly blemished my otherwise unblemished credit report.
Consumer complaint received 2021-07-29
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: EQUIFAX, INC. (LA)

I asked for XXXX XXXX/ XXXX  XXXX XXXX XXXX to verify alleged debt and didnt they didnt verify the alleged debt. But still are reporting on my credit report. This is continuing collection activity which is a direct Violation fdpca and needs to be removed. It also violated 15 U.S.C.A 1692 and 623.
Consumer complaint received 2021-01-21
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: WELLS FARGO & COMPANY (UT)

In 2017 I submitted a complaint with you, and now after not getting any results from my mortgage company, there was a class action lawsuit brought against them for improperly reporting. I received a check and a statement that stated " As part of the settlement agreement, Wells fargo has requested reporting agencies to delete records related to closed accounts, credit inquiries, and/or delinquencies. However, I have sent this letter, and disputed it with all three credit reporting agencies, and neither Wells Fargo, nor the credit reporting agencies have corrected the issue. I am showing XXXX past due payments, and none of them were ever past due. I have fought with this company for the past 4 years.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (MO)

We had a home equity loan with XXXX, with Nationstar being the servicer. We went on a forebearance plan in XX/XX/XXXX due to Covid and losing income because of it. We renewed it every 3 months with it supposed to be ending in XX/XX/XXXX. Our hope was to defer the payments we missed after it ended in XXXX and start fresh. We received a letter from Nationstar that said as of XX/XX/XXXX our new servicer would be XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all payments should be directed to them after XX/XX/XXXX. I called Nationstar and talked to a rep and asked why this happened and they said it just does and nothing has changed except they would be who you make payments to after the forebearance ends. Then on XX/XX/XXXX I received a letter that they are actually a debt collector and I had to do a loan modification with them to pay back the entire home equity loan. This is being reported as our loan went to a collection agency and is a bad mark on our credit report. It was not our fault that this happened snd we were never told it was being sent to a collection agency. We want this off our credit report. Nationstar totally missed that the loan was in forebearance and under the cares act we should have been protected, not sent to collections!
Consumer complaint received 2020-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

I was a with SYNCB/AMAZON PLCC customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last year, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Consumer complaint received 2020-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

I have worked very hard to pay my payments before they were due. I am now receiving letters saying my payments are behind, and its showing late fees. I have tried for two straight weeks to get ahold of a person. I have called several numbers and cant speak to a human. My payments are done through XXXX  XXXX XXXX bill pay, and I have record of each payment made to LOANCARE. During this pandemic its been very hard making ends meet, and keeping up on all my bills but I have done it and am very upset someone has made mistakes at LOANCARE with my money. 
I knew times would be tough so I took it upon myself to pay one month ahead on my mortgage, but I am getting letters I am two months behind. Again, I have been trying to contact someone but am unable to contact a human. 
The following payments were made from XXXX XXXX XXXX Via billpay. 
XXXX payment : XXXX {$1400.00} XXXX payments : XXXX {$750.00}. XXXX {$750.00}. 
XXXX payments : XXXX {$720.00}. & XXXX {$720.00}. 
XXXX payments : XXXX {$720.00}. & XXXX {$720.00}. 
XXXX payments : XXXX {$720.00} & XXXX {$720.00}. 
XX/XX/2021 payments : XXXX {$720.00} As you see Ive paid XXXX and above my regular monthly amount. 
I paid an extra payment in XXXX, which was a hardship but with the uncertain times I wanted to make sure I was ahead on my mortgage, but now I am going through this stress of them not applying my payments, and accessing late fees. This is crucial this gets corrected and all the late fees be removed. This is a hard, stressful time and Ive worked very hard to make sure I didnt fall behind and I feel very angry at Loancare for the terrible accounting and obsolete customer service. 


I feel its crucial for consumers to be able to contact real people when their money isnt being handled correctly.
Consumer complaint received 2020-12-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DM Motors (MN)

On XX/XX/2020 DM financing authorized a payment of {$230.00} to come out of my XXXX XXXX checking account without my consent after that I contacted my bank and they found that the payment on the XXXX came at a different time than all other payments and that it was processed at the store at XXXX two hrs and 2 mins before they are open to the public. My bank found that it was a frudulent charge and returned the money. Since then I got behind by 3 weeks of payments they sent a cobb letter but faild to send it ceritifed and wait the 30 days before doing any thing they then reoped the vechical on XX/XX/2020 and then gave only a 6hr time frame to retrive my stuff and as of today Monday XX/XX/XXXX they have not answered my calls.