davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (MO)

This is the XXXX time that I have contacted XXXX in regards to inaccurate negative information on my credit report. The information being reported is erroneous. First of all XXXX XXXX XXXX is not the original creditor. SLU care is and I sent a letter to XXXX as well as the other XXXX credit bureaus which have removed this information from my report. However XXXX is refusing to do so with documentation presented by the creditor. I have been dealing with this issue since XXXX to no avail. the following information is their response to the dispute after being presented with a letter from the creditor that indicated a 100 % financial assistance for XXXX yr and a XXXX balance on my account with them XXXX XXXX XXXX XXXX : XXXX ... Outcome : Updated Dispute Status XXXX credit report prepared forFAILS, XXXX XXXX report number XXXX date : XXXX XXXX, 2015 Credit Report Toolkit : Credit EducationThis link opens a new browser windowKnow your rightsThis link opens a new browser windowListed below are the current disputes we have received from you. 

Results Due : XXXX Method : XXXX XXXX Items XXXX Number : XXXX ... Outcome : UpdatedPlease note that certain items may not display until later because they required additional processing.
Consumer complaint received 2015-03-24
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MN)

I leased a vehicle in XXXX 2014 from XXXX. The current fair market value of my lease is less than the residual value of my automobile as listed on the lease. There is still 26 months left on the lease. The residual value of the vehicle as documented on the lease appears to be inaccurate based upon current XXXX by XXXX XXXX XXXX and other requested trade in values. The inaccurate and misleading information regarding the residual value has left me with a vehicle that is worth less after 14 months than it was advertised to be worth after 39 months.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

Fraudulent personal information is linked to my identity. Accounts and transactions have been wrongly attributed to me without my consent, causing significant distress. I'm a victim of identity theft and have reported this. This issue urgently needs addressing as it's harming my finances and reputation. Please remove all fraudulent information from my credit report quickly and investigate thoroughly. I'm ready to provide evidence and take legal action if needed to protect my rights and seek compensation. Your quick action is crucial.
Consumer complaint received 2024-08-10
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. (IN)

I'm reaching out to inform you that I have been a victim of identity theft. Under FCRA section 605b, you are obligated to remove or delete these items identified in an identity theft report. Enclosed, you will find the necessary documents to assist in removing the inaccurate information currently appearing on my report. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$140.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-10-16
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. (TX)

Dear Experian Representative, I am submitting this formal request to remove fraudulent information from my credit report. Attached is my FTC Identity Theft Report, reference number XXXX, which documents the unauthorized activities associated with my identity. 

Upon reviewing my Experian credit report, I discovered numerous errors, including fraudulent accounts, unauthorized inquiries, and inaccurate personal details. The following information does not belong to me and must be removed : Addresses : XXXX. XXXX XXXX XXXX, XXXX, LA XXXX XXXX. XXXX XXXX XXXX, XXXX, TX XXXX Employers : XXXX. XXXX XXXX. XXXX XXXX XXXX Fraudulent Accounts : XXXX. XXXX XXXX ( Account Number : XXXX ) XXXX. XXXX ( Account Number : XXXX ) Unauthorized Inquiries : XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX  XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  XX/XX/XXXX These entries do not reflect any of my actions or authorizations. I request that Experian promptly remove the fraudulent accounts, unauthorized inquiries, and inaccurate personal details listed above. Additionally, I ask that a fraud alert be placed on my profile to help prevent further unauthorized use of my information. 

Please process this request as soon as possible in compliance with the Fair Credit Reporting Act ( FCRA ). Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the removal. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX
Consumer complaint received 2015-11-24
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Resurgent Capital Services L.P. (TX)

LVNV FUNDING has placed errounous information on my credit report. I have been disputing this information for over 5 years. In 2011 I paid a company to remove the errouneous information, I was able to purchase my home back in 2011 and the debt went away. I sold my home several months back. Now that I am trying to purchase a home for my family the errounous debt pops up again. This has caused me to loose my earnest money, My interest rate is higher causing me hirer fees and it has prevented me from qualifiying for a desirable mortgage product.
Consumer complaint received 2015-08-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services (MD)

My private student lender sends me a bill with a due date. The bill due date is also on my on-line account, where I pay my bill. I have paid by the due date with on-line payment, and the money has left my bank account, however it is not credited until a week later. I have been reported as late on my credit report, even though I paid the bill by the due date.
Consumer complaint received 2015-10-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Amsher Collection Services, Inc. (MD)

This company has reported allegedly owed monies to credit agencies without verifying the veracity of the debt owed. Theyalso did not resolve the dispute that I had made on the allegedly owed account ( I disputed within 30 days of the originalletter ). 
I have never received any communications from Amsher except for one ( 1 ) letter demanding payment. When I contacted them to ask why they reported this account to collections, the operator decided that Amsher was in the right, I was in the wrong, andthen hung the phone up on me. This bullying tactic is unfair to me as a consumer, and the fact that they decided to damagemy credit without verifying a debt owed is proof that they are violating the FDCPA. 
Under the FDCPA, Section 809, clause B : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection XXXX 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. 

As a consumer, I have the right to receive verification for a disputed debt within 30 days. I did not receive that. Subsequently, Amsher reported the account ( without verification XXXX to a credit bureau, which harmed my credit. When I called to get information on why the account was reported to credit bureaus, I was hung up on by an operator.
Consumer complaint received 2015-04-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MI)

I was divorced in XXXX of XXXX. My ex-spouse was responsible for a mortgage and equity line of credit according to the divorce decree. I was a co-signer on the loans. She defaulted on the payments in XXXX and XXXX. I hired a lawyer and got her to bring the accounts current. I also contacted the mortgage company to let them know that they had not contacted me and that I could have avoided the derogatory credit report had I been notified because the home was being rented and I could have made arrangements to get the monies from the renters and paid the mortgage company directly. 
I recently applied for credit and was notified that the same situation occurred again at the end of XXXX. My ex-spouse said that it is because she filed for Chapter XXXX bankruptcy. See OCWEN in the attached credit report. Again, I was not given notification that the account was in arrears. If I was notified, again, I would have just contacted the renters and had them pay me and I would have paid the mortgage company. This whole issue is convoluted because the loans have been sold from GMAC, Homecomings, XXXX and then to OCWEN for collection. The mortgage company had at least my phone number and email address. Also, they could have asked for my mailing address, if they did not have it, from me or my ex-spouse. 
What this boils down to is that I was not notified that the account was in arrears by the mortgage company or my ex-spouse. It seems unfair that this should show up on my credit report and now I am denied credit from all banks I apply to. I borrowed {$7000.00} last year to get the student loans current when the Student Loan company, XXXX, contacted me. This should be proof that I would have done what it took to keep things straight.
Consumer complaint received 2015-10-07
Product: Credit card — 
Issue: Late fee — 
Company: BARCLAYS BANK DELAWARE (DE)

Barclaycard must have initiated a change in their fee waiver policy/strategy that no longer treats customers fairly. They have firmed their stance that regardless of loyalty to brand, credit worthiness or payment history, they will not waive fees that are not a bank error. This stance is unfair and disparate treatment ; if I were stop paying my monthly payments and allow my account to fall delinquent, I would be rewarded by various payment programs that would reduce my interest, zero it out all together OR, waive fees. IF your stance is to only waive fees in the instance of a bank error, then this stance should spread across all lines of credit whether I am a customer for 10 years and never went late, or a customer who is 100 days late. To further exacerbate the change in policy, the customer service agents are ill equipped to deal with the push back customers who have faithfully honored their terms and agreement are more than entitled to give. In the past, instances of oversight or in my case, Tropical Storm XXXX taking out my power, our requests have been reviewed levelly against our payment history and previous fee reversals. On XXXX/XXXX/2015 I called to request a courtesy reversal of a fee that posted to my account at midnight on the date of my payment due date. I explained to the representative that I was unable to schedule my payment on the website or even by phone because I had no power. There were many news bulletins, warnings for my area and expressed power outages in my area. My payment was scheduled at XXXX the very next day when I saw that power was restored. My payment was technically XXXX hours late. Despite my explanation and the absence of previous fees, I was treated rudely, placed on extensive holds and ultimately hung up on by the agent. This behavior is unacceptable and unfair to customers who have no idea that a change in policy has been implemented. If this is the way Barclays intends to proceed they need representatives who can better communicate this to customers who deserve the benefit of the doubt ; especially when customers who do not honor their terms and agreement are given leeway that contradicts what I was told on XXXX XXXX, 2015.
Consumer complaint received 2015-08-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BB&T CORPORATION (OH)

I have filed at least XXXX HAMP applications and sent them to BB & T and they continue to charge me late fees and leave me hanging so that they can rack up fee after fee and deny me a HAMP loan based on me not resolving my hardship, if I was able to resolve my hardship I would n't need a HAMP loan. This is not a HAMP guideline and I feel they are denying me so they can run up as many fees as they possibly can. I 've been feed to death for at least the last 2 years and it just continues and I just keep getting denied and then they keep sending me letters telling me they value my business, well I would value someones business too if I could fee them to death and leagally make them pay me those fees.
Consumer complaint received 2015-06-06
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (NJ)

Equifax : Under both Federal and New Jersey law, consumers are entitled to XXXX free report and discounted reports ( in many states ) thereafter. Equifax discriminates against those requesting scores under provision of law and will only deliver full price reports online. The process to order and/or receive free and discounted reports is unduly cumbersome and has the effect of negating the intent of the law. Consumers are virtually forced into paying full price. Consumers wishing to correct errors or detect fraud must choose between a delay ( if they exercise legal rights ) or paying extra. I was able to get a full price report delivered online immediately but could not access a free ( or state discounted ) report without writing a letter of request and searching for the proper address.
Consumer complaint received 2015-06-06
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Finance of America Mortgage LLC (DC)

I am filing this complaint because, through absolutely no fault of my own, I lost out on a chance to refinance my mortgage on the terms I agreed to when I applied for the loan two months ago. The process was progressing smoothly until the appraisal. 

When the appraiser came to my home, he hostilely challenged the representation in my loan application that my property is a " single family '' dwelling. He insisted it was not. His position was that it is a " XXXX unit income '' property and, as such, he was owed a higher fee for doing the appraisal. I objected. 

Two days later, I provided the appraiser, as well as the lender, real estate records showing that the District of Columbia classifies my property as a single family dwelling. I asked to be provided something similarly official or authoritative that substantiates the appraiser 's contrary view. I was met with silence. 

My loan stalled for more than two weeks, because the appraiser was demanding additional money to submit his report. The lender was seemingly incapable of figuring out how to break the impasse. For weeks, I was repeatedly told ( upon inquiry ) that the matter would be clarified " tomorrow, '' but tomorrow never came. When I finally did hear from the lender, I was informed that another appraisal would have to be arranged, but there was now no time to close on the loan before the expiration of the rate " lock in. '' I was further advised that, in order to move forward with the loan, I would have to pay a special fee to the lender. I refused.
Consumer complaint received 2016-02-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Consumer Collection Management. Inc (MO)

1 ) I ordered TV service from XXXX XXXX in XX/XX/XXXX and switched to XXXX on XX/XX/XXXX. I never signed a contract with XXXX stating I must stay with them for two years. Their service man came, installed the equipment and I signed a paper to attest that I received the equipment. I returned all the equipment according to their request. XXXX XXXX started to send me invoice wanting me to pay them a termination fee of {$250.00} for the following one year and I refused to pay. They eventually turned it over to the collection agency ( XXXX XXXX XXXXXXXX XXXX ) 2 ) My family and I rented a XXXX BR apartment when we first returned to the US from XXXX in XX/XX/XXXX from XXXX XXXX XXXX at XXXX XXXX XXXX ( XXXX ), XXXX XXXX, MO. It was a 35 year old bldg. We bought a house and moved out XX/XX/XXXX. During our stay, the refrigerator door needed fixing, the kitchen sink backed up and blooding the kitchen and finally the ceiling over the bath tub fell down ( XXXX ) because the bath rm above us leaked water which collected on top of our collapsed ceiling. Our family consisted of me, my wife and an XXXX year old daughter. We did not have any pet and we we are very considerate professionals. When we moved out, the property management did not return our deposit of {$250.00}. Not only that, a month later, sent us a bill of {$800.00} for replacement of the carpet which had normal wear and tear. They never showed me any pictures of the carpet or asked me if I would pay for it. Six months later, I started getting letters from the collection agency ( Consumer Collection, MN XXXX )
Consumer complaint received 2015-10-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

After viewing and being inundated by television and repeated direct mail advertisements from Capital One, I decided to apply for their credit card in order to take advantage of their supposedly generous mileage offer. Both my wife and I maintain an " Excellent '' credit rating. To my surprise, Capital One summarily declined my application and to date, despite my repeated requests, has failed and refused to tell me why. I suggest that their advertisements are completely fraudulent and that they do not operate in good faith, and I would like their so-called " hard inquiry '' removed from my credit reports.
Consumer complaint received 2015-10-31
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (CA)

I am slightly behind on a car payment to Wells Fargo Dealer Services. I am the owner of a business and I use the car primarily for the business. WFDS has been calling me at my business number and filling up a voice mail box that is used for sales & support and is checked by other people. Even though they do not disclose who they are, people can XXXX " Wells Fargo Dealer Services ''. It has undermined my business in that people are concerned they may not get paid and word has gotten around to several of my investors who may be looking to pull out.
Consumer complaint received 2015-06-06
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: WESTERN UNION COMPANY, THE (VA)

XXXX, now operating under the umbrella of XXXX XXXX is the company that bills me for water and sewer. I like to pay online ( no one uses checks these days ) but the only way I can pay online is through Western Union speedpay. This service costs an additional {$3.00} on an average monthly bill of {$50.00}. Is it fair to be paying an additional 7 % year in and out on my water bill just so I can pay online? I realize regulating a utility company may be outside your scope ( please direct me to the right place if so ). However, I was wondering if Western Union was providing any kickbacks? Why would the energy company burden customers for years with a very expensive service just to pay the bill online?
Consumer complaint received 2015-10-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CO)

I requested a copy of my credit report for review and found XXXX discrepancies. There is a XXXX after my name showing XXXX XXXX XXXX XXXX, and I have never used any numbers after my last name. There is also a former address that is not mine listed on my credit report that is the next address listed under my current address. The incorrect address on the report is XXXX XXXX XXXX, XXXX, IL. XXXX. This was reported on XX/XX/2012 and last reported on XXXX/XXXX/2012.
Consumer complaint received 2016-11-17
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: COAST PROFESSIONAL INC (GA)

Coat Professional contacted my office wanting to know if this person worked here. He said that this person applied for something and he just need to is she worked here. I told him that we can not give out employee information without a consent from signed by that person. He said that he could give me her complete social and name.
Consumer complaint received 2016-11-17
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BARCLAYS BANK DELAWARE (PA)

started receiving mail at my address with my actual name altered for an unpaid XXXX bill. Barclays Bank Delaware XXXX XXXX XXXX for {$5400.00}. My name is part of the name on the due bills. Someone just added XXXX names inbetween my first and last name. I have sent letters explaining this is not me, some of my letters to now attys have been sent by me certified mail. I need help to stop these mailings and clear my name